Exhibit 99.20
| 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 |
| 4000051817 | XXXX | D | B | D | A | A | A | B | B | Closed | FCRE5782 | 2024-10-09 16:16 | 2024-10-14 16:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-10/14/2024 Ready for Review-Document Uploaded. Hello please see soft pull - Seller-10/11/2024 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit for b1 and b2. - Due Diligence Vendor-10/09/2024 |
Ready for Review-Document Uploaded. Hello please see soft pull - Seller-10/11/2024 |
Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-10/14/2024 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 790. Months Reserves exceed minimum required - 79 months reserves exceeds 4 months required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2563765 | |
| 4000051817 | XXXX | D | B | D | A | A | A | B | B | Closed | FCRE1159 | 2024-10-09 15:53 | 2024-10-14 16:24 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD provided. Disbursement date is XXXX. - Due Diligence Vendor-10/14/2024 Ready for Review-Document Uploaded. Please See Post CD for the DIsbursement Date. - Seller-10/11/2024 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Distribution date XXXX - Due Diligence Vendor-10/09/2024 |
Ready for Review-Document Uploaded. Please See Post CD for the DIsbursement Date. - Seller-10/11/2024 |
Resolved-PCCD provided. Disbursement date is XXXX. - Due Diligence Vendor-10/14/2024 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 790. Months Reserves exceed minimum required - 79 months reserves exceeds 4 months required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2563506 | |
| 4000051817 | XXXX | D | B | D | A | A | A | B | B | Closed | FPRO0012 | 2024-10-09 16:27 | 2024-10-09 18:41 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-10/09/2024 Open-XXXX Incident Period: XXXX and continuing - Due Diligence Vendor-10/09/2024 |
Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-10/09/2024 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 790. Months Reserves exceed minimum required - 79 months reserves exceeds 4 months required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 2563854 | |||
| 4000052157 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 4000052179 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2024-10-14 12:44 | 2024-10-16 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Documentation to support free and clear provided. - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. The credit report shows the mortgage of the property is closed. Works as a free/clear proof. Please clear this condition. - Seller-10/14/2024 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide proof primary residence is free and clear or VOM from XXXXXX XXX - Due Diligence Vendor-10/14/2024 |
Ready for Review-Document Uploaded. The credit report shows the mortgage of the property is closed. Works as a free/clear proof. Please clear this condition. - Seller-10/14/2024 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Documentation to support free and clear provided. - Due Diligence Vendor-10/16/2024 |
LTV is less than guideline maximum - 50% LTV is less than guideline maximum of 80% Months Reserves exceed minimum required - 11.99 month of reserves exceed minimum of 6 months required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 2591312 | |
| 4000052179 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2024-10-14 12:44 | 2024-10-16 14:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Please find the attached credit refresh. - Seller-10/14/2024 Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-10/14/2024 |
Ready for Review-Document Uploaded. Please find the attached credit refresh. - Seller-10/14/2024 |
Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-10/16/2024 |
LTV is less than guideline maximum - 50% LTV is less than guideline maximum of 80% Months Reserves exceed minimum required - 11.99 month of reserves exceed minimum of 6 months required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 2591311 | |
| 4000057909 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 4000071669 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1506 | 2024-11-20 20:11 | 2025-01-06 15:26 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Tax preparer letter and tax preparer verification. Updated expense value and removed the two large unsourced deposits. - Due Diligence Vendor-01/06/2025 Ready for Review-Document Uploaded. Please advise if this one is open or not. - Seller-01/03/2025 Counter-Document will not open. Please re-upload. - Due Diligence Vendor-12/30/2024 Ready for Review-Document Uploaded. (1) Property tax has been re-calculated and (2) Income has been re-calculated with the expense factor of 38%. Back DTI is 46.52%. Please review and advise if this condition can be cleared or not. - Seller-12/27/2024 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Lender to provided documentation to validate XXXX deposit on XXXX and deposit of XXXX on XXXX are business related income. Per guidelines large deposits that are outside of the normal average deposits will not be included in income the calculation. DTI to be recalculated if unable to source the deposits. - Due Diligence Vendor-11/21/2024 |
Ready for Review-Document Uploaded. Please advise if this one is open or not. - Seller-01/03/2025 Ready for Review-Document Uploaded. (1) Property tax has been re-calculated and (2) Income has been re-calculated with the expense factor of 38%. Back DTI is 46.52%. Please review and advise if this condition can be cleared or not. - Seller-12/27/2024 |
Resolved-Received Tax preparer letter and tax preparer verification. Updated expense value and removed the two large unsourced deposits. - Due Diligence Vendor-01/06/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 772 FICO. 720 minimum for escrow waiver LTV is less than guideline maximum - 75% LTV. 90% max. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2853228 | |
| 4000071669 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE4104 | 2024-11-21 08:28 | 2025-01-06 15:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received Tax preparer letter and tax preparer verification. Updated expense value and removed the two large unsourced deposits. - Due Diligence Vendor-01/06/2025 Ready for Review-Document Uploaded. Please advise if this one is open or not. - Seller-01/03/2025 Counter-Document provided will not open. Please re-upload. - Due Diligence Vendor-12/30/2024 Ready for Review-Document Uploaded. (1) Property tax has been re-calculated and (2) Income has been re-calculated with the expense factor of 38%. Back DTI is 46.52%. Please review and advise if this condition can be cleared or not. - Seller-12/27/2024 Open-Lender to provided documentation to validate XXXX deposit on XXXX and deposit of XXXX on XXXX are business related income. Per guidelines large deposits that are outside of the normal average deposits will not be included in income the calculation. DTI to be recalculated if unable to source the deposits. - Due Diligence Vendor-11/21/2024 |
Ready for Review-Document Uploaded. Please advise if this one is open or not. - Seller-01/03/2025 Ready for Review-Document Uploaded. (1) Property tax has been re-calculated and (2) Income has been re-calculated with the expense factor of 38%. Back DTI is 46.52%. Please review and advise if this condition can be cleared or not. - Seller-12/27/2024 |
Resolved-Received Tax preparer letter and tax preparer verification. Updated expense value and removed the two large unsourced deposits. - Due Diligence Vendor-01/06/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 772 FICO. 720 minimum for escrow waiver LTV is less than guideline maximum - 75% LTV. 90% max. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2855278 | |
| 4000063912 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2024-11-25 15:19 | 2025-06-27 12:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/09/2024 Ready for Review-Document Uploaded. Please see LOE - Seller-12/06/2024 Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter/explanation letter. Mortgage statement shows borrower is not on mortgage of primary home. - Due Diligence Vendor-11/25/2024 |
Ready for Review-Document Uploaded. Please see LOE - Seller-12/06/2024 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/09/2024 |
Verified employment history exceeds guidelines - 7 years on same job Qualifying FICO score is at least 20 points above minimum for program - FICO score of 754 is 20+ points above 660 minimum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2880554 | |
| 4000063912 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2024-11-25 15:19 | 2025-06-27 12:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-11/27/2024 Ready for Review-Document Uploaded. Please see Soft Pull - Seller-11/26/2024 Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-11/25/2024 |
Ready for Review-Document Uploaded. Please see Soft Pull - Seller-11/26/2024 |
Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-11/27/2024 |
Verified employment history exceeds guidelines - 7 years on same job Qualifying FICO score is at least 20 points above minimum for program - FICO score of 754 is 20+ points above 660 minimum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2880555 | |
| 4000063912 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE3978 | 2024-11-25 16:02 | 2025-01-02 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received Rent Free Letter. Lender included the taxes and insurance. - Due Diligence Vendor-01/02/2025 Ready for Review-Document Uploaded. Please see Post 1003 - Seller-12/31/2024 Counter-Revised 1003 provided, however it's the borrower owns the current residence. Please change to No primary housing expense. - Due Diligence Vendor-12/12/2024 Ready for Review-Document Uploaded. Please see revised 1003 - Seller-12/11/2024 Counter-LOE provided and borrower lives rent free. Provide a revised 1003 reflecting borrower does not home, but lives rent free. - Due Diligence Vendor-12/09/2024 Ready for Review-Document Uploaded. Please see LOE - Seller-12/06/2024 Open-Missing free letter/explanation letter. 1003 shows borrower owns however they are not on the note for their primary home. - Due Diligence Vendor-11/25/2024 |
Ready for Review-Document Uploaded. Please see Post 1003 - Seller-12/31/2024 Ready for Review-Document Uploaded. Please see revised 1003 - Seller-12/11/2024 Ready for Review-Document Uploaded. Please see LOE - Seller-12/06/2024 |
Resolved-Received Rent Free Letter. Lender included the taxes and insurance. - Due Diligence Vendor-01/02/2025 |
Verified employment history exceeds guidelines - 7 years on same job Qualifying FICO score is at least 20 points above minimum for program - FICO score of 754 is 20+ points above 660 minimum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2881051 | |
| 4000063912 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2024-11-25 15:21 | 2024-11-27 15:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present. Manager approval letter provided. - Due Diligence Vendor-11/27/2024 Ready for Review-Document Uploaded. Please see UW XXXX Cert - Seller-11/26/2024 Open-Third Party Fraud Report Partially Provided Risk Score above 800 – Lender Mgt. Review and Approval by UW Manager required. - Due Diligence Vendor-11/25/2024 |
Ready for Review-Document Uploaded. Please see UW Fraud Guard Cert - Seller-11/26/2024 |
Resolved-Third Party Fraud Report is fully present. Manager approval letter provided. - Due Diligence Vendor-11/27/2024 |
Verified employment history exceeds guidelines - 7 years on same job Qualifying FICO score is at least 20 points above minimum for program - FICO score of 754 is 20+ points above 660 minimum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2880574 | |
| 4000063911 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2024-12-05 19:23 | 2025-01-02 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/02/2025 Ready for Review-Document Uploaded. Please see Soft pull - Seller-12/31/2024 Counter-Gap report provided, however it is not dated within 10 days. - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. Please see Soft Pull - Seller-12/12/2024 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Rep - Due Diligence Vendor-12/06/2024 |
Ready for Review-Document Uploaded. Please see Soft pull - Seller-12/31/2024 Ready for Review-Document Uploaded. Please see Soft Pull - Seller-12/12/2024 |
Resolved-Received Gap Report. - Due Diligence Vendor-01/02/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 693 higher than program minimum 660 Months Reserves exceed minimum required - Reserves 9.41 months is higher than the program minimum 4 months |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2945052 | |
| 4000063911 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE7806 | 2024-12-06 07:53 | 2024-12-13 17:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received the Borrower 1 Bank Statement Summary/Lender Worksheet. - Due Diligence Vendor-06/27/2025 Ready for Review-Document Uploaded. Please see Work Sheet - Seller-12/12/2024 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing IWS - Due Diligence Vendor-12/06/2024 |
Ready for Review-Document Uploaded. Please see Work Sheet - Seller-12/12/2024 |
Resolved-Received the Borrower 1 Bank Statement Summary/Lender Worksheet. - Due Diligence Vendor-06/27/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 693 higher than program minimum 660 Months Reserves exceed minimum required - Reserves 9.41 months is higher than the program minimum 4 months |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2946962 | |
| 4000057647 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 4000054651 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2024-12-13 14:01 | 2025-01-13 16:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received borrower 1 Gap Credit Report . - Due Diligence Vendor-01/13/2025 Ready for Review-Document Uploaded. Soft pull - Seller-01/10/2025 Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report for B1. - Due Diligence Vendor-12/13/2024 |
Ready for Review-Document Uploaded. Soft pull - Seller-01/10/2025 |
Resolved-Received borrower 1 Gap Credit Report . - Due Diligence Vendor-01/13/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 769 FICO, 660 minimum required LTV is less than guideline maximum - 80% LTV, 90% max Qualifying DTI below maximum allowed - 43.55% DTI, 49.99% max |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3004088 | |
| 4000054909 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2024-12-15 14:45 | 2025-01-14 15:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/14/2025 Ready for Review-Document Uploaded. Soft pull - Seller-01/10/2025 Open-Borrower 1 Gap Credit Report is Missing Provide the Gap Credit Report dated within 10 days of the Note Date. - Due Diligence Vendor-12/15/2024 |
Ready for Review-Document Uploaded. Soft pull - Seller-01/10/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-01/14/2025 |
Qualifying DTI below maximum allowed - Max DTI is 49.99%- Borrower's DTI is 41.73% Months Reserves exceed minimum required - 14 mths reserves; 0 mths required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3008612 | |
| 4000055557 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2024-12-17 11:25 | 2025-06-27 12:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received borrower 1 Gap Credit Report . - Due Diligence Vendor-01/28/2025 Ready for Review-Document Uploaded. re attached - Seller-01/27/2025 Counter-Document was not attached. Please re-upload. - Due Diligence Vendor-01/16/2025 Ready for Review-soft pull - Seller-01/15/2025 Open-Borrower 1 Gap Credit Report is Missing credit check required - Due Diligence Vendor-12/17/2024 |
Ready for Review-Document Uploaded. re attached - Seller-01/27/2025 Ready for Review-soft pull - Seller-01/15/2025 |
Resolved-Received borrower 1 Gap Credit Report . - Due Diligence Vendor-01/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 803 is higher than minimum FICO required 660 LTV is less than guideline maximum - 75% LTV less than guideline max allowed 80% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3022956 | |
| 4000055557 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2024-12-17 11:28 | 2025-01-16 16:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received management approval. - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. please see attached - Seller-01/15/2025 Open-Third Party Fraud Report Partially Provided Per guide pg. 32_ XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager i _ no documentation provided - Due Diligence Vendor-12/17/2024 |
Ready for Review-Document Uploaded. please see attached - Seller-01/15/2025 |
Resolved-Received management approval. - Due Diligence Vendor-01/16/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 803 is higher than minimum FICO required 660 LTV is less than guideline maximum - 75% LTV less than guideline max allowed 80% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3022999 | |
| 4000055971 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE1201 | 2024-12-14 13:11 | 2025-01-07 16:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided. - Due Diligence Vendor-12/19/2024 Ready for Review-fraud guard - Seller-12/18/2024 Open-Missing Third Party Fraud Report No fraud report provided - Due Diligence Vendor-12/14/2024 |
Ready for Review-fraud guard - Seller-12/18/2024 |
Resolved-Third Party Fraud Report provided. - Due Diligence Vendor-12/19/2024 |
LTV is less than guideline maximum - LTV is 32.93% vs program max of 75% Qualifying FICO score is at least 20 points above minimum for program - Score is 761 vs program min of 640 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3007809 | |
| 4000055971 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE1204 | 2024-12-19 14:23 | 2025-01-07 16:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Alerts Summary with cleared alerts. - Due Diligence Vendor-01/07/2025 Ready for Review-Document Uploaded. Hello please see Fraud Cleared alerts - Seller-01/04/2025 Counter-Please provide the Fraud Report with all red alerts cleared and documentation to support reason for being cleared. - Due Diligence Vendor-12/26/2024 Ready for Review-Are you asking for red alerts to be cleared? - Seller-12/23/2024 Open-Fraud Report Shows Uncleared Alerts. All alerts need to be cleared, with documentation to support reason for being cleared. - Due Diligence Vendor-12/19/2024 |
Ready for Review-Document Uploaded. Hello please see Fraud Cleared alerts - Seller-01/04/2025 Ready for Review-Are you asking for red alerts to be cleared? - Seller-12/23/2024 |
Resolved-Received Alerts Summary with cleared alerts. - Due Diligence Vendor-01/07/2025 |
LTV is less than guideline maximum - LTV is 32.93% vs program max of 75% Qualifying FICO score is at least 20 points above minimum for program - Score is 761 vs program min of 640 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3047381 | |
| 4000055971 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE1205 | 2024-12-19 14:23 | 2025-01-07 16:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received XXXX Check Completed and Cleared - Due Diligence Vendor-12/26/2024 Ready for Review-Document Uploaded. See XXXX - Seller-12/23/2024 Open-XXXX Check Not Completed and/or Cleared for the Underwriter and XXXX. - Due Diligence Vendor-12/19/2024 |
Ready for Review-Document Uploaded. See XXXX - Seller-12/23/2024 |
Resolved-Received OFAC Check Completed and Cleared - Due Diligence Vendor-12/26/2024 |
LTV is less than guideline maximum - LTV is 32.93% vs program max of 75% Qualifying FICO score is at least 20 points above minimum for program - Score is 761 vs program min of 640 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3047382 | |
| 4000055971 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE6618 | 2024-12-19 14:28 | 2024-12-23 13:50 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Revised 1003 has been provided. - Due Diligence Vendor-12/23/2024 Ready for Review-Document Uploaded. REVISE FINAL 1003 - Seller-12/20/2024 Open-Provide a revised 1003 , due to section 7 is not completed for all borrower's. - Due Diligence Vendor-12/19/2024 |
Ready for Review-Document Uploaded. REVISE FINAL 1003 - Seller-12/20/2024 |
Resolved-Revised 1003 has been provided. - Due Diligence Vendor-12/23/2024 |
LTV is less than guideline maximum - LTV is 32.93% vs program max of 75% Qualifying FICO score is at least 20 points above minimum for program - Score is 761 vs program min of 640 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3047478 | |
| 4000055971 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2024-12-14 13:43 | 2024-12-17 12:11 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-12/17/2024 Open-Income for each of 3 borrowers listed on 1003's. deemed non-material due No proof of income required or in file. - Due Diligence Vendor-12/14/2024 |
Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-12/17/2024 |
LTV is less than guideline maximum - LTV is 32.93% vs program max of 75% Qualifying FICO score is at least 20 points above minimum for program - Score is 761 vs program min of 640 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 3007855 | |||
| 4000055560 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 4000058218 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE5802 | 2025-01-02 14:38 | 2025-01-13 16:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Cash reserves less than required by guidelines | Resolved-Upon further review, PCCD was located in the loan file. 4.12 months reserves > 4 months minimum required. - Due Diligence Vendor-01/13/2025 Ready for Review-POST CD was included already in the closing package. It shows the borrower got refunded amount of XXXX. Please review once more and advise if this condition can be waived or not. - Seller-01/10/2025 Open-Short by XXXX - Due Diligence Vendor-01/02/2025 |
Ready for Review-POST CD was included already in the closing package. It shows the borrower got refunded amount of XXXX. Please review once more and advise if this condition can be waived or not. - Seller-01/10/2025 |
Resolved-Upon further review, PCCD was located in the loan file. 4.12 months reserves > 4 months minimum required. - Due Diligence Vendor-01/13/2025 |
Qualifying DTI below maximum allowed - 47.84% DTI is below 49.99% maximum allowed Qualifying FICO score is at least 20 points above minimum for program - FICO score of 745 is 20+ points above 660 minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3125205 | ||
| 4000057655 | XXXX | C | B | C | A | B | B | A | A | Closed | FCRE9501 | 2024-12-11 21:34 | 2024-12-26 13:56 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD - Due Diligence Vendor-12/26/2024 Ready for Review-Document Uploaded. Please review the attached POST CD, and clear this condition. - Seller-12/23/2024 Open-Total Qualified Assets Post-Close amount is XXXX'. Assets are Insufficient. Assets are Insufficient. - Due Diligence Vendor-12/12/2024 |
Ready for Review-Document Uploaded. Please review the attached POST CD, and clear this condition. - Seller-12/23/2024 |
Resolved-Received PCCD - Due Diligence Vendor-12/26/2024 |
Qualifying DTI below maximum allowed - 40.72% DTI is below 49.99% maximum allowed LTV is less than guideline maximum - 70% LTV is less than 80% guideline maximum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2988328 | |
| 4000057655 | XXXX | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2024-12-11 13:45 | 2024-12-11 13:53 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/11/2024 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/11/2024 |
Qualifying DTI below maximum allowed - 40.72% DTI is below 49.99% maximum allowed LTV is less than guideline maximum - 70% LTV is less than 80% guideline maximum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 2984354 | |||
| 4000058222 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-01-02 15:47 | 2025-02-05 16:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. SOFT PULL - Seller-02/04/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/02/2025 |
Ready for Review-Document Uploaded. SOFT PULL - Seller-02/04/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2025 |
Qualifying DTI below maximum allowed - DTI 40.27% is lower than program max allowed 49.99% Qualifying FICO score is at least 20 points above minimum for program - FICO 752 is higher than the minimum score allowed 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3126556 | |
| 4000058210 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-01-02 16:18 | 2025-06-27 12:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. SOFTPULL - Seller-02/04/2025 Open-Borrower 1 Gap Credit Report is Missing ; Gap Credit Report is Missing - Due Diligence Vendor-01/02/2025 |
Ready for Review-Document Uploaded. SOFTPULL - Seller-02/04/2025 |
Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/05/2025 |
Qualifying DTI below maximum allowed - 42.27% DTI is below 49.99% maximum allowed LTV is less than guideline maximum - 74.84% LTV is less than 80% guideline maximum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3126948 | |
| 4000058210 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2025-01-02 16:21 | 2025-02-05 12:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received search for XXXX for the Selling Agent. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. XXXX - Seller-02/04/2025 Open-Third Party Fraud Report Partially Provided Missing XXXX for Selling Agent - Due Diligence Vendor-01/02/2025 |
Ready for Review-Document Uploaded. OFAC - Seller-02/04/2025 |
Resolved-Received search for xxxxx xxxx Excl list for the Selling Agent. - Due Diligence Vendor-02/05/2025 |
Qualifying DTI below maximum allowed - 42.27% DTI is below 49.99% maximum allowed LTV is less than guideline maximum - 74.84% LTV is less than 80% guideline maximum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3127010 | |
| 4000058210 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1510 | 2024-12-20 12:32 | 2025-02-05 12:15 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received the Legal Description. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. Recorded DOT to show legal description included - Seller-02/04/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing legal description Exhibit A - Due Diligence Vendor-12/20/2024 |
Ready for Review-Document Uploaded. Recorded DOT to show legal description included - Seller-02/04/2025 |
Resolved-Received the Legal Description. - Due Diligence Vendor-02/05/2025 |
Qualifying DTI below maximum allowed - 42.27% DTI is below 49.99% maximum allowed LTV is less than guideline maximum - 74.84% LTV is less than 80% guideline maximum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3056184 | |
| 4000059020 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1204 | 2025-01-03 13:17 | 2025-02-27 15:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Alerts Summary with cleared alerts. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. PLease see attached - Seller-02/25/2025 Counter-Clarification of additional property provided. Please provide a Fraud Report with all Red Alerts cleared. - Due Diligence Vendor-02/24/2025 Ready for Review-Document Uploaded. Hello see page 14 of the submission package it is already reflecting there - Seller-02/21/2025 Counter-Missing the required updated final loan application including this new property. - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. PLease see attached - Seller-02/06/2025 Open-Fraud Report Shows Uncleared Alerts The fraud report reflected the following alert: "Borrower has additional loan applications on different properties with your institution in the past 120 days." The loan application summary states XXXX a loan number XXXX for a property that is not reflected on the final loan application. The loan file is missing documentation to evidence the alert was cleared. It should be noted that if the borrower(s) purchased an undisclosed property, the loan file is missing documentation to verify the full housing payment, including principal and interest payments on a new mortgage, real estate taxes, insurance, and any applicable monthly dues to cover HOA/assessments. Additionally, the loan file would require an updated final loan application to include this new property. - Due Diligence Vendor-01/03/2025 |
Ready for Review-Document Uploaded. PLease see attached - Seller-02/25/2025 Ready for Review-Document Uploaded. Hello see page XX of the submission package it is already reflecting there - Seller-02/21/2025 Ready for Review-Document Uploaded. PLease see attached - Seller-02/06/2025 |
Resolved-Received Alerts Summary with cleared alerts. - Due Diligence Vendor-02/27/2025 |
LTV is less than guideline maximum - 69.69% LTV ratio, 75% maximum allowed. Qualifying FICO score is at least 20 points above minimum for program - 774 Qualifying FICO, 660 minimum score required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3134461 | |
| 4000059020 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE3978 | 2025-02-05 17:05 | 2025-02-07 14:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Letter of explanation was provided for all the inquires on the GAP and origination credit report. - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. - Seller-02/06/2025 Open-Missing LOE for inquiries on the Gap Report. - Due Diligence Vendor-02/05/2025 |
Ready for Review-Document Uploaded. - Seller-02/06/2025 |
Resolved-Letter of explanation was provided for all the inquires on the GAP and origination credit report. - Due Diligence Vendor-02/07/2025 |
LTV is less than guideline maximum - 69.69% LTV ratio, 75% maximum allowed. Qualifying FICO score is at least 20 points above minimum for program - 774 Qualifying FICO, 660 minimum score required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3360717 | |
| 4000059020 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE0044 | 2025-01-03 13:23 | 2025-02-07 14:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries was provided for the borrowers. - Due Diligence Vendor-02/07/2025 Ready for Review-Please see attached - Seller-02/06/2025 Open-LOX for credit inquiries is missing. Per guides, the borrower needs to address all inquiries to their credit within 120 days of the credit pull date, unless a corresponding new tradeline is evidenced on the credit bureau. The loan file is missing a letter of explanation for the unexplained credit inquiries. - Due Diligence Vendor-01/03/2025 |
Ready for Review-Please see attached - Seller-02/06/2025 |
Resolved-LOX for credit inquiries was provided for the borrowers. - Due Diligence Vendor-02/07/2025 |
LTV is less than guideline maximum - 69.69% LTV ratio, 75% maximum allowed. Qualifying FICO score is at least 20 points above minimum for program - 774 Qualifying FICO, 660 minimum score required. |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3134580 | ||
| 4000059020 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE8611 | 2025-01-03 13:45 | 2025-02-05 17:06 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received the business phone number through via XXXX Search, XXXX or internet. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. Please see google search - Seller-02/04/2025 Open-The guidelines for self-employment state the following requirement must also be satisfied: Business phone number must be verifiable via XXXX Search, XXXX or internet. A business phone number verification via XXXX Search, XXXX or internet was missing from the loan file. - Due Diligence Vendor-01/03/2025 |
Ready for Review-Document Uploaded. Please see google search - Seller-02/04/2025 |
Resolved-Received the business phone number through via XXXX Search, XXXX or internet. - Due Diligence Vendor-02/05/2025 |
LTV is less than guideline maximum - 69.69% LTV ratio, 75% maximum allowed. Qualifying FICO score is at least 20 points above minimum for program - 774 Qualifying FICO, 660 minimum score required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3134969 | |
| 4000059020 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-01-03 12:51 | 2025-02-05 17:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. Soft pull - Seller-02/04/2025 Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report for B1. - Due Diligence Vendor-01/03/2025 |
Ready for Review-Document Uploaded. Soft pull - Seller-02/04/2025 |
Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/05/2025 |
LTV is less than guideline maximum - 69.69% LTV ratio, 75% maximum allowed. Qualifying FICO score is at least 20 points above minimum for program - 774 Qualifying FICO, 660 minimum score required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3134067 | |
| 4000059022 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-01-03 11:42 | 2025-06-27 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. Soft pull - Seller-02/04/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/03/2025 |
Ready for Review-Document Uploaded. Soft pull - Seller-02/04/2025 |
Resolved-Received Gap Report - Due Diligence Vendor-02/05/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 726 is higher than the program minimum 660 LTV is less than guideline maximum - LTV 55% is lower than the 80% LTV max allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3132924 | |
| 4000059022 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE0044 | 2025-02-05 16:52 | 2025-03-05 16:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. please see attached loe - Seller-03/04/2025 Counter-LOE provided, however it does not include the Inquiry on XXXX with XXXX. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. please see attached loe - Seller-02/25/2025 Open-LOX for credit inquiries is missing. *New* Please provide an LOE for the inquiry on XXXX reporting on the Gap Report. - Due Diligence Vendor-02/05/2025 |
Ready for Review-Document Uploaded. please see attached loe - Seller-03/04/2025 Ready for Review-Document Uploaded. please see attached loe - Seller-02/25/2025 |
Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-03/05/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 726 is higher than the program minimum 660 LTV is less than guideline maximum - LTV 55% is lower than the 80% LTV max allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3360586 | |
| 4000059022 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1151 | 2025-01-03 12:54 | 2025-02-28 14:25 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-02/28/2025 Ready for Review-Document Uploaded. Please see attached - Seller-02/27/2025 Counter-Unable to locate the Chain of Title on Title provided. Please highlight the chain of title on the policy. - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. hello please see attached - Seller-02/19/2025 Counter-Title policy provided; however, a chain of title was not reflected in the document. Please provide chain of title. - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. PLease see attached - Seller-02/06/2025 Open-Unsatisfactory Chain of Title provided. Missing complete chain for borrower. - Due Diligence Vendor-01/03/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/27/2025 Ready for Review-Document Uploaded. hello please see attached - Seller-02/19/2025 Ready for Review-Document Uploaded. PLease see attached - Seller-02/06/2025 |
Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-02/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 726 is higher than the program minimum 660 LTV is less than guideline maximum - LTV 55% is lower than the 80% LTV max allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3134130 | |
| 4000059022 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1252 | 2025-01-03 13:02 | 2025-02-28 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title provided with borrower's name only vested. - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. Please see final title policy - Seller-02/06/2025 Open-Title Document is Incomplete .Provide Title with correct vesting in just borrower's name. - Due Diligence Vendor-01/03/2025 |
Ready for Review-Document Uploaded. Please see final title policy - Seller-02/06/2025 |
Resolved-Title provided with borrower's name only vested. - Due Diligence Vendor-02/07/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 726 is higher than the program minimum 660 LTV is less than guideline maximum - LTV 55% is lower than the 80% LTV max allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3134236 | |
| 4000059022 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1205 | 2025-01-03 13:08 | 2025-02-05 16:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. XXXX check - Seller-02/04/2025 Open-XXXX Check Not Completed and/or Cleared for the Underwriter and XXXX. - Due Diligence Vendor-01/03/2025 |
Ready for Review-Document Uploaded. XXXX check - Seller-02/04/2025 |
Resolved-Received OFAC. - Due Diligence Vendor-02/05/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 726 is higher than the program minimum 660 LTV is less than guideline maximum - LTV 55% is lower than the 80% LTV max allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3134328 | |
| 4000059023 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1204 | 2025-01-03 11:07 | 2025-02-24 15:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Alert summary w/clear alerts provided. - Due Diligence Vendor-02/24/2025 Ready for Review-Document Uploaded. Please see attached - Seller-02/21/2025 Counter-Management approval provided. Please provide the Fraud Report with cleared alerts. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. please see attached - Seller-02/04/2025 Open-Fraud Report Shows Uncleared Alerts Open high alerts present. No management approval for score >800 - Due Diligence Vendor-01/03/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/21/2025 Ready for Review-Document Uploaded. please see attached - Seller-02/04/2025 |
Resolved-Alert summary w/clear alerts provided. - Due Diligence Vendor-02/24/2025 |
Qualifying DTI below maximum allowed - 35.03% DTI is below 49.99% maximum allowed Months Reserves exceed minimum required - 13 months of reserves exceed 4 month minimum required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3132331 | |
| 4000059023 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-01-03 09:54 | 2025-02-05 15:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. See soft Pull - Seller-02/04/2025 Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-01/03/2025 |
Ready for Review-Document Uploaded. See soft Pull - Seller-02/04/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2025 |
Qualifying DTI below maximum allowed - 35.03% DTI is below 49.99% maximum allowed Months Reserves exceed minimum required - 13 months of reserves exceed 4 month minimum required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3131159 | |
| 4000059676 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE5782 | 2025-01-08 12:49 | 2025-06-27 12:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/04/2025 Ready for Review-Document Uploaded. Please See Soft Pull - Seller-02/03/2025 Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report for B1. - Due Diligence Vendor-01/08/2025 |
Ready for Review-Document Uploaded. Please See Soft Pull - Seller-02/03/2025 |
Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/04/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 803 qualifying FICO, 660 minimum required. Qualifying DTI below maximum allowed - 30.73% DTI, 49.99% maximum allowed. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3164720 | |
| 4000059676 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE0044 | 2025-02-04 14:59 | 2025-02-14 14:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-02/14/2025 Ready for Review-Document Uploaded. please see attached - Seller-02/13/2025 Open-LOX for credit inquiries is missing. Missing LOE for inquires refelcted on the Gap Report. - Due Diligence Vendor-02/04/2025 |
Ready for Review-Document Uploaded. please see attached - Seller-02/13/2025 |
Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-02/14/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 803 qualifying FICO, 660 minimum required. Qualifying DTI below maximum allowed - 30.73% DTI, 49.99% maximum allowed. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3348938 | |
| 4000059676 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE0970 | 2025-01-08 12:15 | 2025-01-08 13:29 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-01/08/2025 Open-Appraisal noted the year built as "XXXX" and the appraisal was performed XXXX "as is". Subject property would have been built in XXXX. Appraiser noted location as rural; however, the appraisal did not reflect any rural characteristics. - Due Diligence Vendor-01/08/2025 |
Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-01/08/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 803 qualifying FICO, 660 minimum required. Qualifying DTI below maximum allowed - 30.73% DTI, 49.99% maximum allowed. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3164227 | |||
| 4000059663 | XXXX | C | A | C | A | C | A | A | A | Closed | FCRE1197 | 2025-01-07 10:28 | 2025-07-10 19:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved- - Due Diligence Vendor-07/10/2025 Open-Audited XXXX of 695 is less than Guideline XXXX of 720 - Due Diligence Vendor-07/01/2025 Resolved-The guidelines state investments & XXXX below 720. This is owner occupied. - Due Diligence Vendor-01/10/2025 Counter-Per guidelines 17.1- Escrow Waivers require any credit score less than 720 for taxes and insurance to be impounded. This is for investment OR any loans that have a score < than 720. - Due Diligence Vendor-01/09/2025 Ready for Review-Document Uploaded. - Seller-01/09/2025 Counter-Received client snap shot of C/O guides, however Per guidelines 17.1- Escrow Waivers require any credit score less than 720 for taxes and insurance to be impounded. Subject taxes and insurance are waived. - Due Diligence Vendor-01/08/2025 Ready for Review-Document Uploaded. The minimum XXXX is 660. Could you please waive this condition? - Seller-01/08/2025 Open-Audited XXXX of 695 is less than Guideline XXXX of 720 720 XXXX required when escrows are waived. - Due Diligence Vendor-01/07/2025 |
Ready for Review-Document Uploaded. - Seller-01/09/2025 Ready for Review-Document Uploaded. The minimum XXXX is 660. Could you please waive this condition? - Seller-01/08/2025 |
Resolved-The guidelines state investments & ficos below 720. This is owner occupied. - Due Diligence Vendor-01/10/2025 |
LTV is less than guideline maximum - 33.97% LTV is less than 75% guideline maximum Qualifying DTI below maximum allowed - 26.10% DTI is below 49.99% maximum allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3153284 | |
| 4000059663 | XXXX | C | A | C | A | C | A | A | A | Closed | finding-47 | 2024-12-30 18:36 | 2025-01-09 11:29 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX with disbursement date after ROR. - Due Diligence Vendor-01/09/2025 Ready for Review-Document Uploaded. please see PCCD - Seller-01/08/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date - Due Diligence Vendor-12/30/2024 |
Ready for Review-Document Uploaded. please see PCCD - Seller-01/08/2025 |
Resolved-Received PCCD XXXX with disbursement date after ROR. - Due Diligence Vendor-01/09/2025 |
LTV is less than guideline maximum - 33.97% LTV is less than 75% guideline maximum Qualifying DTI below maximum allowed - 26.10% DTI is below 49.99% maximum allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3108339 | |
| 4000059663 | XXXX | C | A | C | A | C | A | A | A | Closed | FCRE8611 | 2025-01-07 11:04 | 2025-01-08 16:08 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received CPA letter reflecting that business phone number is not required. - Due Diligence Vendor-01/08/2025 Ready for Review-Document Uploaded. Please see CPA letter stating that business phone number is not required - Seller-01/07/2025 Open-Loan file missing verification of business phone number - Business phone number must be verifiable via XXXX Search, XXXX or internet. - Due Diligence Vendor-01/07/2025 |
Ready for Review-Document Uploaded. Please see CPA letter stating that business phone number is not required - Seller-01/07/2025 |
Resolved-Received CPA letter reflecting that business phone number is not required. - Due Diligence Vendor-01/08/2025 |
LTV is less than guideline maximum - 33.97% LTV is less than 75% guideline maximum Qualifying DTI below maximum allowed - 26.10% DTI is below 49.99% maximum allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3153819 | |
| 4000059659 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE0044 | 2025-01-10 16:20 | 2025-02-10 16:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-02/10/2025 Ready for Review-Document Uploaded. Please see LOE - Seller-02/08/2025 Open-LOX for credit inquiries is missing. - Due Diligence Vendor-01/10/2025 |
Ready for Review-Document Uploaded. Please see LOE - Seller-02/08/2025 |
Resolved-Received LOE. - Due Diligence Vendor-02/10/2025 |
Qualifying DTI below maximum allowed - 40.66 DTI is below 49.99 maximum allowed LTV is less than guideline maximum - 40.22% LTV is below 80% guideline maximum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3186678 | |
| 4000059659 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-01-10 16:17 | 2025-02-10 16:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/10/2025 Ready for Review-Document Uploaded. Soft pull - Seller-02/07/2025 Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-01/10/2025 |
Ready for Review-Document Uploaded. Soft pull - Seller-02/07/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-02/10/2025 |
Qualifying DTI below maximum allowed - 40.66 DTI is below 49.99 maximum allowed LTV is less than guideline maximum - 40.22% LTV is below 80% guideline maximum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3186645 | |
| 4000060617 | XXXX | D | B | D | A | A | A | C | B | Closed | FPRO0012 | 2025-01-22 09:51 | 2025-06-27 16:21 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Originator waiver applied to non material finding with comp factors. Public assistance. - Due Diligence Vendor-06/27/2025 Open-XXXX (XXXX) Incident Period: XXXX and continuing - Due Diligence Vendor-01/22/2025 |
Waived-Originator waiver applied to non material finding with comp factors. Public assistance. - Due Diligence Vendor-06/27/2025 |
LTV is less than guideline maximum - LTV 59.6% less than 75% max Months Reserves exceed minimum required - Reserves 14.69 months higher than 0 months minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3252539 | |||
| 4000060617 | XXXX | D | B | D | A | A | A | C | B | Closed | FPRO0011 | 2025-01-22 09:51 | 2025-02-05 14:57 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. PDI attached. - Seller-02/03/2025 Counter-The lender certification is not acceptable. Provide a disaster inspection. - Due Diligence Vendor-01/28/2025 Ready for Review-Document Uploaded. Please find the attached lender cert - Seller-01/24/2025 Open-XXXX Incident Period: XXXX and continuing. Post disaster inspection required. - Due Diligence Vendor-01/22/2025 |
Ready for Review-Document Uploaded. PDI attached. - Seller-02/03/2025 Ready for Review-Document Uploaded. Please find the attached lender cert - Seller-01/24/2025 |
Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/05/2025 |
LTV is less than guideline maximum - LTV 59.6% less than 75% max Months Reserves exceed minimum required - Reserves 14.69 months higher than 0 months minimum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3252538 | |
| 4000060617 | XXXX | D | B | D | A | A | A | C | B | Closed | FPRO0008 | 2025-01-22 09:42 | 2025-01-28 14:49 | Resolved | 1 - Information | C | A | Property | Property | Condo Project Warrantable is Unable to Determine | Resolved-Warrantability documentation is acceptable. - Due Diligence Vendor-01/28/2025 Ready for Review-Document Uploaded. Questionnaire - Seller-01/24/2025 Open-The Condo Project Warrantability is Unable to Determined. Missing HOA Questionnaire . Audit unbale to determine if condo is warrantable. Additional conditions may apply. - Due Diligence Vendor-01/22/2025 |
Ready for Review-Document Uploaded. Questionnaire - Seller-01/24/2025 |
Resolved-Warrantability documentation is acceptable. - Due Diligence Vendor-01/28/2025 |
LTV is less than guideline maximum - LTV 59.6% less than 75% max Months Reserves exceed minimum required - Reserves 14.69 months higher than 0 months minimum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3252440 | |
| 4000060617 | XXXX | D | B | D | A | A | A | C | B | Closed | FPRO1255 | 2025-01-22 09:42 | 2025-01-28 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Condo questionnaire provided. - Due Diligence Vendor-01/28/2025 Ready for Review-Document Uploaded. Questionnaire - Seller-01/24/2025 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing HOA Questionnaire - Due Diligence Vendor-01/22/2025 |
Ready for Review-Document Uploaded. Questionnaire - Seller-01/24/2025 |
Resolved-Condo questionnaire provided. - Due Diligence Vendor-01/28/2025 |
LTV is less than guideline maximum - LTV 59.6% less than 75% max Months Reserves exceed minimum required - Reserves 14.69 months higher than 0 months minimum |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3252439 | |
| 4000061093 | XXXX | C | A | C | A | A | A | C | A | Closed | FPRO0011 | 2025-01-13 05:54 | 2025-01-27 08:40 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI provided - no damage from recent disaster. - Due Diligence Vendor-01/27/2025 Ready for Review-Document Uploaded. please see PDI - Seller-01/25/2025 Counter-XXXX Incident Period: XXXX and continuing . Post Inspection is required and a NEW PDI will be required after disaster is ended. Finding remains. - Due Diligence Vendor-01/20/2025 Ready for Review-Document Uploaded. Please see the zip codes showing areas affected by the xxxxxxxs. This property zip code is not on the list. Could you please waive the condition? - Seller-01/17/2025 Counter-A PDI will be required once the disaster has ended. - Due Diligence Vendor-01/15/2025 Ready for Review-Document Uploaded. The property is located approximately 50 miles from XXXX and 35 miles from XXXX where the xxxxxxxs located, which is too far away for the property to be affected by the xxxxxxx. Could you please waive this condition? - Seller-01/13/2025 Open-XXXX Incident Period: XXXX and continuing - PDI Required - Due Diligence Vendor-01/13/2025 |
Ready for Review-Document Uploaded. please see PDI - Seller-01/25/2025 Ready for Review-Document Uploaded. Please see the zip codes showing areas affected by the xxxxxxxs. This property zip code is not on the list. Could you please waive the condition? - Seller-01/17/2025 Ready for Review-Document Uploaded. The property is located approximately 50 miles from XXXX and 35 miles from XXXX where the xxxxxxxs located, which is too far away for the property to be affected by the xxxxxxx. Could you please waive this condition? - Seller-01/13/2025 |
Resolved-PDI provided - no damage from recent disaster. - Due Diligence Vendor-01/27/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 807 is higher than 720 required Months Reserves exceed minimum required - Reserves 79.56 months is higher than minim required 4 months |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3189573 | |
| 4000061093 | XXXX | C | A | C | A | A | A | C | A | Closed | FCRE8611 | 2025-01-10 23:20 | 2025-01-15 15:19 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet print out. - Due Diligence Vendor-01/15/2025 Ready for Review-Document Uploaded. please see business phone number verification - Seller-01/13/2025 Open-Missing business phone number search. Per guidelines business phone number must be verifiable via XXXX Search, XXXX or internet. - Due Diligence Vendor-01/13/2025 |
Ready for Review-Document Uploaded. please see business phone number verification - Seller-01/13/2025 |
Resolved-Received Internet print out. - Due Diligence Vendor-01/15/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 807 is higher than 720 required Months Reserves exceed minimum required - Reserves 79.56 months is higher than minim required 4 months |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3187797 | |
| 4000060592 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE5782 | 2025-01-14 15:48 | 2025-06-27 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-01/17/2025 Ready for Review-Document Uploaded. Hello please see Soft Pull - Seller-01/16/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/14/2025 |
Ready for Review-Document Uploaded. Hello please see Soft Pull - Seller-01/16/2025 |
Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-01/17/2025 |
Qualifying DTI below maximum allowed - 44.07% DTI; 49.99% max Qualifying FICO score is at least 20 points above minimum for program - FICO 708 is higher than program minimum 660 Months Reserves exceed minimum required - 11.56 mos reserves; 4 mos required |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3205696 | |
| 4000060592 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE5116 | 2025-01-17 14:12 | 2025-06-27 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received Verification of Rent (VOR). - Due Diligence Vendor-01/23/2025 Ready for Review-Document Uploaded. Please See VOR - Seller-01/22/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-01/17/2025 |
Ready for Review-Document Uploaded. Please See VOR - Seller-01/22/2025 |
Resolved-Received Verification of Rent (VOR). - Due Diligence Vendor-01/23/2025 |
Qualifying DTI below maximum allowed - 44.07% DTI; 49.99% max Qualifying FICO score is at least 20 points above minimum for program - FICO 708 is higher than program minimum 660 Months Reserves exceed minimum required - 11.56 mos reserves; 4 mos required |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3232981 | |
| 4000060592 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE0360 | 2025-01-14 17:40 | 2025-03-03 16:02 | Waived | 2 - Non-Material | C | B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-03/03/2025 Counter- Verification of the most recent rent payments and a corrected 1003 reflect the current housing payment as XXXX is required due to the Landlord is the same as the owners that are providing a gift of equity. Non-Arms length. - Due Diligence Vendor-02/07/2025 Ready for Review-Can we ask to clear this condition. This is an owner-occupied transaction; the previous rent history is not required. - Seller-02/06/2025 Counter-Received revised 1003 . Non-Arms length. Please provide verification of the most recent rent payments. - Due Diligence Vendor-01/28/2025 Ready for Review-Document Uploaded. Hello please see post 1003 to show the correct rental amount. - Seller-01/27/2025 Counter-Received VOR and 1008 provided, however the Landlord is the same as the owners that are providing a gift of equity. Non-Arms length. Please provide verification of the most recent rent payments and a corrected 1003 reflect the current housing payment as XXXX. - Due Diligence Vendor-01/23/2025 Ready for Review-Document Uploaded. Please See VOR for the amount of 1800 - Seller-01/22/2025 Counter-1008 provided. Missing VOR. - Due Diligence Vendor-01/17/2025 Ready for Review-Document Uploaded. Please See 1008 for correct rent amount of 1800 - Seller-01/16/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing evidence of rent payments (landlords are same people as persons giving gift of equity. Need to ensure borrower has been making her payments on time and consistently and rental history verification is required on first time homebuyers. Also, discrepancy in amount listed on Final 1003 as to what borrower pays in rent and what is reflected on VOR. - Due Diligence Vendor-01/14/2025 |
Ready for Review-Can we ask to clear this condition. This is an owner-occupied transaction; the previous rent history is not required. - Seller-02/06/2025 Ready for Review-Document Uploaded. Hello please see post 1003 to show the correct rental amount. - Seller-01/27/2025 Ready for Review-Document Uploaded. Please See VOR for the amount of 1800 - Seller-01/22/2025 Ready for Review-Document Uploaded. Please See 1008 for correct rent amount of 1800 - Seller-01/16/2025 |
Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-03/03/2025 |
Qualifying DTI below maximum allowed - 44.07% DTI; 49.99% max Qualifying FICO score is at least 20 points above minimum for program - FICO 708 is higher than program minimum 660 Months Reserves exceed minimum required - 11.56 mos reserves; 4 mos required |
44.07% DTI; 49.99% max 4.86 mos rsrvs; 4 mos required FICO 708 is higher than program minimum 660 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3206757 |
| 4000060592 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE1964 | 2025-01-14 16:39 | 2025-01-17 14:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Received other income clarification. Loan file contains sufficient documents. - Due Diligence Vendor-01/17/2025 Ready for Review-Document Uploaded. Please See 1008 for Other income calculation - Seller-01/16/2025 Open-Missing income documentation to source XXXX "Other Income" used for qualification - Due Diligence Vendor-01/14/2025 |
Ready for Review-Document Uploaded. Please See 1008 for Other income calculation - Seller-01/16/2025 |
Resolved-Received other income clarification. Loan file contains sufficient documents. - Due Diligence Vendor-01/17/2025 |
Qualifying DTI below maximum allowed - 44.07% DTI; 49.99% max Qualifying FICO score is at least 20 points above minimum for program - FICO 708 is higher than program minimum 660 Months Reserves exceed minimum required - 11.56 mos reserves; 4 mos required |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3206345 | |
| 4000060592 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE0700 | 2025-01-14 18:08 | 2025-01-17 13:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received copy of the PCCD. - Due Diligence Vendor-01/17/2025 Ready for Review-Document Uploaded. Hello please See Post Cd to show the seller credit - Seller-01/16/2025 Open-Missing Final CD that reflects seller paid closing costs per Addendum 1 of purchase contract and Amended Escrow Instructions dated XXXX - Due Diligence Vendor-01/14/2025 |
Ready for Review-Document Uploaded. Hello please See Post Cd to show the seller credit - Seller-01/16/2025 |
Resolved-Received copy of the PCCD. - Due Diligence Vendor-01/17/2025 |
Qualifying DTI below maximum allowed - 44.07% DTI; 49.99% max Qualifying FICO score is at least 20 points above minimum for program - FICO 708 is higher than program minimum 660 Months Reserves exceed minimum required - 11.56 mos reserves; 4 mos required |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3206904 | |
| 4000061101 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1506 | 2025-01-14 15:01 | 2025-06-27 13:39 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received tax preparer letter. Income was recalculated. - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. Please see CPA letter stating that the ATM deposits on business bank stmts are business deposits. Could you please help to recalculate the DTI and waive this condition? - Seller-01/14/2025 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. The borrower's recalculated DTI ratio of 83% exceeds the lender's maximum of 49.99%. - Due Diligence Vendor-01/14/2025 |
Ready for Review-Document Uploaded. Please see CPA letter stating that the ATM deposits on business bank stmts are business deposits. Could you please help to recalculate the DTI and waive this condition? - Seller-01/14/2025 |
Resolved-Received tax preparer letter. Income was recalculated. - Due Diligence Vendor-01/16/2025 |
Months Reserves exceed minimum required - 26.15 months of reserves, only 4 months required. Qualifying FICO score is at least 20 points above minimum for program - Score is 754 vs program min required of 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3205165 | |
| 4000061101 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2025-01-14 14:30 | 2025-01-16 14:15 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received tax preparer letter. Income was recalculated. - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. Please see CPA letter stating that the ATM deposits on business bank stmts are business deposits. Could you please help to recalculate the DTI and waive this condition? - Seller-01/14/2025 Open-Income and Employment Do Not Meet Guidelines Per guides, large deposits that are outside of the normal average deposits will not be included in income the calculation. The borrower's 12 months of business bank statements averaged approximately XXXX per month. Per the underwriter's 12-month bank statement worksheet, the following large deposits were not excluded: XXXX, XXXX, XXXX, and XXXX. Further, there was no explanation for these large deposits provided by the borrower or underwriter. A review of the bank statements yielded a total of XXXX of eligible deposits. Utilizing a 50% expense ratio per guides, and dividing by 12 months, resulted in a qualifying monthly income of XXXX. - Due Diligence Vendor-01/14/2025 |
Ready for Review-Document Uploaded. Please see CPA letter stating that the ATM deposits on business bank stmts are business deposits. Could you please help to recalculate the DTI and waive this condition? - Seller-01/14/2025 |
Resolved-Received tax preparer letter. Income was recalculated. - Due Diligence Vendor-01/16/2025 |
Months Reserves exceed minimum required - 26.15 months of reserves, only 4 months required. Qualifying FICO score is at least 20 points above minimum for program - Score is 754 vs program min required of 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3204766 | |
| 4000061101 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-01-14 15:05 | 2025-01-16 14:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received tax preparer letter. Income was recalculated. - Audited DTI of 44.92% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. Please see CPA letter stating that the ATM deposits on business bank stmts are business deposits. Could you please help to recalculate the DTI and waive this condition? - Seller-01/14/2025 Open-Audited DTI of 83.05% exceeds Guideline DTI of 49.99% Per guides, the maximum DTI ratio is 49.99%. However, due to the removal of 4 large deposits that are outside of the normal average deposits, the recalculated DTI is 83.05%. - Due Diligence Vendor-01/14/2025 |
Ready for Review-Document Uploaded. Please see CPA letter stating that the ATM deposits on business bank stmts are business deposits. Could you please help to recalculate the DTI and waive this condition? - Seller-01/14/2025 |
Resolved-Received tax preparer letter. Income was recalculated. - Audited DTI of 44.92% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-01/16/2025 |
Months Reserves exceed minimum required - 26.15 months of reserves, only 4 months required. Qualifying FICO score is at least 20 points above minimum for program - Score is 754 vs program min required of 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3205231 | |
| 4000061101 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2025-01-14 14:55 | 2025-01-16 14:05 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received tax preparer letter stating the nature of the business does not require it to be listed on the internet. - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. Please see the CPA letter stating that the business phone number is not required - Seller-01/14/2025 Open-The guidelines for self-employment state the following requirement must also be satisfied: Business phone number must be verifiable via XXXX Search, XXXX or internet. A business phone number verification via XXXX Search, XXXX or internet was missing from the loan file. - Due Diligence Vendor-01/14/2025 |
Ready for Review-Document Uploaded. Please see the CPA letter stating that the business phone number is not required - Seller-01/14/2025 |
Resolved-Received tax preparer letter stating the nature of the business does not require it to be listed on the internet. - Due Diligence Vendor-01/16/2025 |
Months Reserves exceed minimum required - 26.15 months of reserves, only 4 months required. Qualifying FICO score is at least 20 points above minimum for program - Score is 754 vs program min required of 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3205106 | |
| 4000060415 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-01-10 08:53 | 2025-01-10 11:48 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-01/10/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-01/10/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 806 qualifying FICO, 660 minimum score required. LTV is less than guideline maximum - 58.10% LTV, 80% maximum allowed. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3179795 | |||
| 4000060607 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-01-17 15:59 | 2025-06-27 12:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received borrower 1 Gap Credit Report. - Due Diligence Vendor-01/24/2025 Ready for Review-Document Uploaded. - Seller-01/23/2025 Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-01/17/2025 |
Ready for Review-Document Uploaded. - Seller-01/23/2025 |
Resolved-Received borrower 1 Gap Credit Report. - Due Diligence Vendor-01/24/2025 |
LTV is less than guideline maximum - 55% LTV is less than 75% guideline maximum Qualifying DTI below maximum allowed - 40.46% DTI is below 49.99% maximum allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3234240 | |
| 4000060607 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2025-01-17 16:01 | 2025-01-24 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received the Lender Mgt. Review Approval Letter. - Due Diligence Vendor-01/24/2025 Ready for Review-Document Uploaded. lox - Seller-01/23/2025 Open-Third Party Fraud Report Partially Provided Risk Score above 800 – Lender Mgt. Review and Approval by UW Manager required. - Due Diligence Vendor-01/17/2025 |
Ready for Review-Document Uploaded. lox - Seller-01/23/2025 |
Resolved-Received the Lender Mgt. Review Approval Letter. - Due Diligence Vendor-01/24/2025 |
LTV is less than guideline maximum - 55% LTV is less than 75% guideline maximum Qualifying DTI below maximum allowed - 40.46% DTI is below 49.99% maximum allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3234262 | |
| 4000061382 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| 4000062676 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2025-01-17 17:02 | 2025-01-29 12:15 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received the Final PCCD. Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-01/29/2025 Ready for Review-Document Uploaded. please see PCCD - Seller-01/24/2025 Counter-1003 reflects zero assets . We need assets due to- Total Qualified Assets Post-Close amount is XXXX'. Assets are Insufficient. - Due Diligence Vendor-01/24/2025 Ready for Review-Document Uploaded. Apologies for the confusion. The previous post 1003 provided was for a different loan. Please see the correct post 1003 attached. - Seller-01/23/2025 Counter-Provide bank statements to support acct XXXX and XXXX. - Due Diligence Vendor-01/23/2025 Ready for Review-Document Uploaded. Please see Post 1003. It won’t show XXXX XXXX anymore. - Seller-01/22/2025 Open-Missing verification of asset for account ending in XXXX as listed on Final 1003 - Due Diligence Vendor-01/17/2025 |
Ready for Review-Document Uploaded. please see PCCD - Seller-01/24/2025 Ready for Review-Document Uploaded. Apologies for the confusion. The previous post 1003 provided was for a different loan. Please see the correct post 1003 attached. - Seller-01/23/2025 Ready for Review-Document Uploaded. Please see Post 1003. It won’t show Chase XXXX anymore. - Seller-01/22/2025 |
Resolved-Received the Final PCCD. Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-01/29/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 719 qualifying FICO score, 660 minimum score required. LTV is less than guideline maximum - 69.92% LTV, 80% maximum LTV allowed. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3234808 | |
| 4000062475 | XXXX | D | A | D | A | A | A | C | A | Closed | FCRE7497 | 2025-01-30 17:37 | 2025-02-27 14:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Final CD. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. PCCD FOR XXXX PROPRTY - Seller-02/25/2025 Counter-Provide final CD for REO XXXX if recent loan OR Validate PITIA-must have documentation included in package. - Due Diligence Vendor-02/21/2025 Ready for Review-See concurent loan - Seller-02/20/2025 Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property - XXXX - Due Diligence Vendor-01/30/2025 |
Ready for Review-Document Uploaded. PCCD FOR XXXX PROPRTY - Seller-02/25/2025 Ready for Review-See concurent loan - Seller-02/20/2025 |
Resolved-Received Final CD. - Due Diligence Vendor-02/27/2025 |
Qualifying DTI below maximum allowed - 21.38% DTI is below 49.99% maximum allowed Qualifying FICO score is at least 20 points above minimum for program - FICO score 787 is 20+ points above minimum |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3322205 | |
| 4000062475 | XXXX | D | A | D | A | A | A | C | A | Closed | FPRO0011 | 2025-02-06 09:27 | 2025-02-24 16:06 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/24/2025 Ready for Review-Document Uploaded. disaster cert - Seller-02/21/2025 Open--PDI or 1004D needed due to XXXX Individual for XXXX. - Due Diligence Vendor-02/06/2025 |
Ready for Review-Document Uploaded. disaster cert - Seller-02/21/2025 |
Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/24/2025 |
Qualifying DTI below maximum allowed - 21.38% DTI is below 49.99% maximum allowed Qualifying FICO score is at least 20 points above minimum for program - FICO score 787 is 20+ points above minimum |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3364134 | |
| 4000062475 | XXXX | D | A | D | A | A | A | C | A | Closed | FCRE5782 | 2025-01-30 17:24 | 2025-02-24 16:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/24/2025 Ready for Review-Document Uploaded. Correct soft pull for xxxx xxxx see one uploaded on 02/21/25 - Seller-02/21/2025 Counter-Received GAP report for a different borrower. - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. SOFT PULL - Seller-02/20/2025 Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-01/30/2025 |
Ready for Review-Document Uploaded. Correct soft pull for XXXX see one uploaded on XXXX - Seller-02/21/2025 Ready for Review-Document Uploaded. SOFT PULL - Seller-02/20/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-02/24/2025 |
Qualifying DTI below maximum allowed - 21.38% DTI is below 49.99% maximum allowed Qualifying FICO score is at least 20 points above minimum for program - FICO score 787 is 20+ points above minimum |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3322115 | |
| 4000062475 | XXXX | D | A | D | A | A | A | C | A | Closed | FCRE1491 | 2025-01-30 19:10 | 2025-02-21 12:29 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received acceptable cash out letter. - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. LOX Cashout letter - Seller-02/21/2025 Open-Asset Qualification Does Not Meet Guideline Requirements -Provide a Letter of Explanation for use of Cash-Out proceeds. Uniform Underwriting and Transmittal Summary Loan Purpose is Home Improvement. Letter of Explanation to verify the Cash-Out proceeds to be used to improve investment property. - Due Diligence Vendor-01/31/2025 |
Ready for Review-Document Uploaded. LOX Cashout letter - Seller-02/21/2025 |
Resolved-Received acceptable cash out letter. - Due Diligence Vendor-02/21/2025 |
Qualifying DTI below maximum allowed - 21.38% DTI is below 49.99% maximum allowed Qualifying FICO score is at least 20 points above minimum for program - FICO score 787 is 20+ points above minimum |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3322698 | |
| 4000062681 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE3464 | 2025-01-24 08:57 | 2025-04-04 10:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received business phone number verification. - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. please see business phone number verification - Due Diligence Vendor-04/04/2025 Open-Business phone number verification via XXXX Search, XXXX or internet is required. - Due Diligence Vendor-04/04/2025 |
Resolved-Received business phone number verification. - Due Diligence Vendor-04/04/2025 |
Credit history exceeds minimum required - Credit History exceeds program minimum Months Reserves exceed minimum required - 5.44 mos rsrvs; 0 required Qualifying DTI below maximum allowed - 41.84% DTI; 49.99% max allowed Qualifying FICO score is at least 20 points above minimum for program - FICO 702 is higher than 660 minimum FICO required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3274582 | ||
| 4000062698 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-01-22 15:14 | 2025-01-22 15:14 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-01/22/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-01/22/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 723 higher than 660 program minimum Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 9 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3257432 | |||
| 4000062452 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-02-04 10:56 | 2025-02-20 13:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the Borrower 1 Gap Credit Report. - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. please see soft pull - Seller-02/19/2025 Open-Borrower 1 Gap Credit Report is Missing Missing gap credit for B1. - Due Diligence Vendor-02/05/2025 |
Ready for Review-Document Uploaded. please see soft pull - Seller-02/19/2025 |
Resolved-Received the Borrower 1 Gap Credit Report. - Due Diligence Vendor-02/20/2025 |
Months Reserves exceed minimum required - 75 months vs. 0 required Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 702. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3345598 | |
| 4000062688 | XXXX | C | B | A | A | B | B | C | A | Closed | FPRO0011 | 2025-01-27 12:20 | 2025-02-04 14:49 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/04/2025 Ready for Review-Document Uploaded. Please find the uploaded Post Disaster Inspection - Seller-02/02/2025 Counter-Post Funding Cert provided, however we will need a PDI in order to clear this finding. - Due Diligence Vendor-01/29/2025 Ready for Review-Please find the attached cert. - Seller-01/28/2025 Open-XXXX Post closing Disaster XXXX. Incident Period: XXXX and continuing; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-01/27/2025 |
Ready for Review-Document Uploaded. Please find the uploaded Post Disaster Inspection - Seller-02/02/2025 Ready for Review-Please find the attached cert. - Seller-01/28/2025 |
Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/04/2025 |
LTV is less than guideline maximum - 64.14% LTV, 90% LTV maximum allowed. Qualifying FICO score is at least 20 points above minimum for program - 733 qualifying FICO score, 660 minimum required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3287498 | |
| 4000062688 | XXXX | C | B | A | A | B | B | C | A | Closed | FCOM5135 | 2025-01-23 12:17 | 2025-01-23 12:17 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2025 |
LTV is less than guideline maximum - 64.14% LTV, 90% LTV maximum allowed. Qualifying FICO score is at least 20 points above minimum for program - 733 qualifying FICO score, 660 minimum required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3267969 | |||
| 4000063843 | XXXX | C | B | C | A | B | B | C | A | Closed | FPRO0011 | 2025-01-29 11:50 | 2025-01-31 15:22 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI, no damage - Please note the disaster is ongoing. - Due Diligence Vendor-01/31/2025 Ready for Review-Document Uploaded. please see PDI - Seller-01/30/2025 Open-XXXX Post disaster inspection required” - Due Diligence Vendor-01/29/2025 |
Ready for Review-Document Uploaded. please see PDI - Seller-01/30/2025 |
Resolved-Received PDI, no damage - Please note the disaster is ongoing. - Due Diligence Vendor-01/31/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 806 is higher than 660 minimum Months Reserves exceed minimum required - Reserves 14.56 is higher than 4 month minimum required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3306938 | |
| 4000063843 | XXXX | C | B | C | A | B | B | C | A | Closed | FCRE1178 | 2025-01-29 09:52 | 2025-01-31 15:21 | Resolved | 1 - Information | C | A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided, disbursement date is 01/24/2025 - Due Diligence Vendor-01/31/2025 Ready for Review-Document Uploaded. Please see PCCD showing disbursement date of XXXX - Seller-01/29/2025 Open-Other Property Insurance Policy Effective Date of XXXX is after the Note Date of XXXX Disbursement date is XXXX - Due Diligence Vendor-01/29/2025 |
Ready for Review-Document Uploaded. Please see PCCD showing disbursement date of XXXX - Seller-01/29/2025 |
Resolved-PCCD provided, disbursement date isXXXX - Due Diligence Vendor-01/31/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 806 is higher than 660 minimum Months Reserves exceed minimum required - Reserves 14.56 is higher than 4 month minimum required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3305176 | |
| 4000063843 | XXXX | C | B | C | A | B | B | C | A | Closed | FCOM5135 | 2025-01-28 08:23 | 2025-01-28 09:23 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-01/28/2025 | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-01/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 806 is higher than 660 minimum Months Reserves exceed minimum required - Reserves 14.56 is higher than 4 month minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3294425 | |||
| 4000062478 | XXXX | D | A | D | A | A | A | C | A | Closed | FPRO0011 | 2025-02-05 13:25 | 2025-02-26 15:10 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. - Seller-02/25/2025 Open-XXXX; Incident Period: XXXX and continuing; INDIVIDUAL; No comments from appraiser to address. PDI Report required - Due Diligence Vendor-02/07/2025 |
Ready for Review-Document Uploaded. - Seller-02/25/2025 |
Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/26/2025 |
LTV is less than guideline maximum - 39.02% LTV vs. 75% max allowed Qualifying DTI below maximum allowed - 35.54% DTI vs. 49.99% max Months Reserves exceed minimum required - 34.37 months available vs. 0 required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3357709 | |
| 4000062478 | XXXX | D | A | D | A | A | A | C | A | Closed | FCRE5782 | 2025-02-05 14:02 | 2025-02-26 15:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. Soft pull - Seller-02/24/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/05/2025 |
Ready for Review-Document Uploaded. Soft pull - Seller-02/24/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-02/26/2025 |
LTV is less than guideline maximum - 39.02% LTV vs. 75% max allowed Qualifying DTI below maximum allowed - 35.54% DTI vs. 49.99% max Months Reserves exceed minimum required - 34.37 months available vs. 0 required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3358301 | |
| 4000061109 | XXXX | D | A | D | A | A | A | C | A | Closed | FCRE0044 | 2025-01-30 07:26 | 2025-02-05 15:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, not required for DSCR. - Due Diligence Vendor-02/05/2025 Ready for Review- LOX for credit inquiries is not required as this is a DSCR loan. There is no DTI. - Seller-02/03/2025 Open-LOX for credit inquiries is missing. File is missing an LOX from the borrower to address unexplained credit inquiries on the origination credit report and gap report. - Due Diligence Vendor-01/30/2025 |
Ready for Review- LOX for credit inquiries is not required as this is a DSCR loan. There is no DTI. - Seller-02/03/2025 |
Resolved-Upon further review, not required for DSCR. - Due Diligence Vendor-02/05/2025 |
Months Reserves exceed minimum required - 233 mths reserves; 2 mths required. Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 796 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3314337 | ||
| 4000061109 | XXXX | D | A | D | A | A | A | C | A | Closed | FCRE1241 | 2025-01-30 06:54 | 2025-02-05 15:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received purchase contract - Due Diligence Vendor-06/27/2025 Ready for Review-Document Uploaded. Uploaded the purchase contract - Seller-02/03/2025 Open-Loan Purpose is Purchase but Purchase Contract is Missing. Loan file is missing the purchase contract. - Due Diligence Vendor-01/30/2025 |
Ready for Review-Document Uploaded. Uploaded the purchase contract - Seller-02/03/2025 |
Resolved-Received purchase contract - Due Diligence Vendor-06/27/2025 |
Months Reserves exceed minimum required - 233 mths reserves; 2 mths required. Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 796 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3314184 | |
| 4000061109 | XXXX | D | A | D | A | A | A | C | A | Closed | FPRO0011 | 2025-01-30 08:09 | 2025-02-05 15:35 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. Please find the attached PDI - Seller-02/04/2025 Open-XXXX Post closing XXXX and continuing; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-01/30/2025 |
Ready for Review-Document Uploaded. Please find the attached PDI - Seller-02/04/2025 |
Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/05/2025 |
Months Reserves exceed minimum required - 233 mths reserves; 2 mths required. Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 796 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3314623 | |
| 4000061258 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-02-10 14:15 | 2025-06-27 16:20 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ---Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/27/2025 | Waived-Required Affiliated Business Disclosure Missing ---Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/27/2025 |
Months Reserves exceed minimum required - 10 months available vs. 0 required Qualifying DTI below maximum allowed - 25.43% vs. 49.99% max allowed LTV is less than guideline maximum - 60% vs. 80% max allowed |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3388974 | |||
| 4000061258 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-02-12 09:52 | 2025-02-25 14:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. please see soft pull - Seller-02/21/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/12/2025 |
Ready for Review-Document Uploaded. please see soft pull - Seller-02/21/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-02/25/2025 |
Months Reserves exceed minimum required - 10 months available vs. 0 required Qualifying DTI below maximum allowed - 25.43% vs. 49.99% max allowed LTV is less than guideline maximum - 60% vs. 80% max allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3406081 | |
| 4000062455 | XXXX | C | B | C | A | B | B | A | A | Closed | FCRE1197 | 2025-02-06 10:23 | 2025-02-14 10:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Escrow waiver applies to investments with XXXX below 720. - Due Diligence Vendor-02/14/2025 Counter-The guidelines are for Investment properties AND XXXX < 720. We interpret this as - for all investment properties and for all loans with a XXXX < 720. Finding remains. - Due Diligence Vendor-02/12/2025 Ready for Review-Per Guided section you mentioned, it should be applied to Investment & XXXX <720 transaction. However, this file is Purchase and Owner Occupied transaction, not Investment. - Seller-02/10/2025 Counter-Per Guided section 17.1 XXXX <720: tax and insurance must be impounded. - Due Diligence Vendor-02/10/2025 Ready for Review-Document Uploaded. Please reconsider it and get it waived. This is Owner Occupied transaction with a loan amount of XXXX - Seller-02/07/2025 Open-Audited XXXX of 710 is less than Guideline XXXX of 720 720 XXXX is required when escrows are waived. - Due Diligence Vendor-02/06/2025 |
Ready for Review-Per Guided section you mentioned, it should be applied to Investment & XXXX <720 transaction. However, this file is Purchase and Owner Occupied transaction, not Investment. - Seller-02/10/2025 Ready for Review-Document Uploaded. Please reconsider it and get it waived. This is Owner Occupied transaction with a loan amount of XXXX - Seller-02/07/2025 |
Resolved-Escrow waiver applies to investments with ficos below 720. - Due Diligence Vendor-02/14/2025 |
Qualifying DTI below maximum allowed - Guidelines allow DTI to 42.76%. Qualifying DTI is 49.99%. Months Reserves exceed minimum required - 11 available vs. 0 required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3364926 | |
| 4000062455 | XXXX | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-02-04 07:37 | 2025-02-04 07:37 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2025 | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2025 |
Qualifying DTI below maximum allowed - Guidelines allow DTI to 42.76%. Qualifying DTI is 49.99%. Months Reserves exceed minimum required - 11 available vs. 0 required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3343615 | |||
| 4000062481 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-02-10 15:48 | 2025-02-10 15:48 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-02/10/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-02/10/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 792 is more than 20 points higher than the guideline min of 720. Months Reserves exceed minimum required - Guides require 4 months reserves and the borrower has 8 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3390470 | |||
| 4000065057 | XXXX | D | A | D | A | B | A | A | A | Closed | FCRE1345 | 2025-02-07 14:38 | 2025-02-13 14:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Receive Lease Listing Agreement. - Due Diligence Vendor-02/13/2025 Ready for Review-Document Uploaded. please see lease agreement for REO at XXXX - Seller-02/11/2025 Open-Missing the lease for REO at XXXX - Due Diligence Vendor-02/07/2025 |
Ready for Review-Document Uploaded. please see lease agreement for REO at XXXX - Seller-02/11/2025 |
Resolved-Receive Lease Listing Agreement. - Due Diligence Vendor-02/13/2025 |
Months Reserves exceed minimum required - 106 months vs. 0 required LTV is less than guideline maximum - 70% vs. max 75% LTV allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3378438 | |
| 4000065057 | XXXX | D | A | D | A | B | A | A | A | Closed | FCOM5135 | 2025-02-06 11:43 | 2025-02-12 10:28 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Rec'd SPL with affiliate designation for XXXX. Title Fees in Section B are payable to XXXX. Finding Resolved. - Due Diligence Vendor-02/12/2025 Ready for Review-Document Uploaded. please see WSSPL - Seller-02/11/2025 Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-02/06/2025 |
Ready for Review-Document Uploaded. please see WSSPL - Seller-02/11/2025 |
Resolved-Rec'd SPL with affiliate designation for XXXX. Title Fees in Section B are payable to XXXX. Finding Resolved. - Due Diligence Vendor-02/12/2025 |
Months Reserves exceed minimum required - 106 months vs. 0 required LTV is less than guideline maximum - 70% vs. max 75% LTV allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3366223 | |
| 4000065609 | XXXX | D | B | D | A | B | B | C | A | Closed | FPRO0011 | 2025-02-13 15:04 | 2025-02-27 16:08 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached - Seller-02/27/2025 Open-XXXX and continuing. PDI required - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/27/2025 |
Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/27/2025 |
Credit history exceeds minimum required - B1 credit history over 10 years old Verified employment history exceeds guidelines - B1 employed with employer for 8 years |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3419565 | |
| 4000065609 | XXXX | D | B | D | A | B | B | C | A | Closed | FCRE8611 | 2025-02-14 14:32 | 2025-02-27 15:55 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Google Search - Seller-02/26/2025 Open-Missing verification of business phone - Per guidelines business phone number verification via XXXX Search, XXXX or internet is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Google Search - Seller-02/26/2025 |
Resolved-Received Internet Search. - Due Diligence Vendor-02/27/2025 |
Credit history exceeds minimum required - B1 credit history over 10 years old Verified employment history exceeds guidelines - B1 employed with employer for 8 years |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3428151 | |
| 4000065609 | XXXX | D | B | D | A | B | B | C | A | Closed | FCRE5782 | 2025-02-13 14:45 | 2025-02-27 15:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Soft pull - Seller-02/26/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Soft pull - Seller-02/26/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-02/27/2025 |
Credit history exceeds minimum required - B1 credit history over 10 years old Verified employment history exceeds guidelines - B1 employed with employer for 8 years |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3419294 | |
| 4000065609 | XXXX | D | B | D | A | B | B | C | A | Closed | FCRE1197 | 2025-02-14 14:24 | 2025-02-27 15:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review, subject property is a Primary residence. Audited XXXX of 704 is greater than or equal to Guideline XXXX of 660 - Due Diligence Vendor-02/27/2025 Ready for Review-Hello this is a primary/Owner Occupied… that requirement is only for investment property, please waive this condition - Seller-02/26/2025 Open-Audited XXXX of 704 is less than Guideline XXXX of 720 Guidelines require a 720 XXXX in order to waive escrows. - Due Diligence Vendor-02/14/2025 |
Ready for Review-Hello this is a primary/Owner Occupied… that requirement is only for investment property, please waive this condition - Seller-02/26/2025 |
Resolved-Upon further review, subject property is a Primary residence. Audited XXXX of 704 is greater than or equal to Guideline XXXX of 660 - Due Diligence Vendor-02/27/2025 |
Credit history exceeds minimum required - B1 credit history over 10 years old Verified employment history exceeds guidelines - B1 employed with employer for 8 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3428005 | ||
| 4000065609 | XXXX | D | B | D | A | B | B | C | A | Closed | FCOM1301 | 2025-02-12 14:30 | 2025-02-13 07:24 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/13/2025 | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/13/2025 |
Credit history exceeds minimum required - B1 credit history over 10 years old Verified employment history exceeds guidelines - B1 employed with employer for 8 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3409955 | |||
| 4000065609 | XXXX | D | B | D | A | B | B | C | A | Closed | FCOM5135 | 2025-02-12 14:30 | 2025-02-13 07:24 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. The entity that was paid on the Final CD was listed on the services you can shop for and listed as not an affiliate to lender. - Due Diligence Vendor-02/13/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. The entity that was paid on the Final CD was listed on the services you can shop for and listed as not an affiliate to lender. - Due Diligence Vendor-02/13/2025 |
Credit history exceeds minimum required - B1 credit history over 10 years old Verified employment history exceeds guidelines - B1 employed with employer for 8 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3409956 | |||
| 4000066123 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2025-02-14 14:10 | 2025-02-24 15:06 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Upon further review the PCCD disbursement date is XXXX - Due Diligence Vendor-02/24/2025 Ready for Review-Post CD is included in the closing package. - Seller-02/20/2025 Counter-CD in file has a disbursement date of XXXX. Do you have a PCCD ? - Due Diligence Vendor-02/20/2025 Ready for Review-The Insurance Effective Date is XXXX, and the disbursement date is XXXX. The Insurance Effective Date does not need to cover the note date. - Seller-02/19/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Insurance date is after disbursement date. - Due Diligence Vendor-02/14/2025 |
Ready for Review-Post CD is included in the closing package. - Seller-02/20/2025 Ready for Review-The Insurance Effective Date is XXXX, and the disbursement date is XXXX. The Insurance Effective Date does not need to cover the note date. - Seller-02/19/2025 |
Resolved-Upon further review the PCCD disbursement date is XXXX - Due Diligence Vendor-02/24/2025 |
LTV is less than guideline maximum - Qualifying LTV 74.49 is less than the guideline max of 80. Months Reserves exceed minimum required - Guides require 4 months reserves and the borrower has 33 months. Qualifying DTI below maximum allowed - Qualifying DTI 39.94 is less than the guideline max of 49.99. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 814 is more than 20 points higher than the guideline min of 680. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3427871 | ||
| 4000066123 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-02-14 14:15 | 2025-02-24 15:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-LOE provided. - Due Diligence Vendor-02/24/2025 Ready for Review-Document Uploaded. Please find the attached LOE. - Seller-02/20/2025 Counter-Provide LOE no HOA fees or processor cert. - Due Diligence Vendor-02/20/2025 Ready for Review-Both 'XXXX, US' are SFR properties. - Seller-02/19/2025 Open-No documentation or statement provided to address any possible HOA dues for properties 3a and 3b. - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please find the attached LOE. - Seller-02/20/2025 Ready for Review-Both 'XXXX, US' and 'XXXX' are SFR properties. - Seller-02/19/2025 |
Resolved-LOE provided. - Due Diligence Vendor-02/24/2025 |
LTV is less than guideline maximum - Qualifying LTV 74.49 is less than the guideline max of 80. Months Reserves exceed minimum required - Guides require 4 months reserves and the borrower has 33 months. Qualifying DTI below maximum allowed - Qualifying DTI 39.94 is less than the guideline max of 49.99. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 814 is more than 20 points higher than the guideline min of 680. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3427931 | |
| 4000066128 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-02-13 12:25 | 2025-02-19 15:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-02/19/2025 Ready for Review-Document Uploaded. Please find the attached Gap Credit Report. - Seller-02/17/2025 Open-Borrower 1 Gap Credit Report is Missing Borrower 1 and Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-02/13/2025 |
Ready for Review-Document Uploaded. Please find the attached Gap Credit Report. - Seller-02/17/2025 |
Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-02/19/2025 |
Months Reserves exceed minimum required - Guides require 4 months and the borrower has 14. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 744 is more than 20 points higher than the guideline min of 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3417495 | |
| 4000066120 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-02-18 08:28 | 2025-02-25 14:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. please see soft pull - Seller-02/21/2025 Open-Borrower 1 Gap Credit Report is Missing Borrower 1 & Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. please see soft pull - Seller-02/21/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-02/25/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO score of 782 is higher than the minimum required score of 660 Qualifying DTI below maximum allowed - DTI of 43.8% is less than the maximum allowed per guidelines of 49.99%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3437529 | |
| 4000066120 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-02-13 13:50 | 2025-02-13 13:50 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/13/2025 | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/13/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO score of 782 is higher than the minimum required score of 660 Qualifying DTI below maximum allowed - DTI of 43.8% is less than the maximum allowed per guidelines of 49.99%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3418629 | |||
| 4000062080 | XXXX | C | A | A | A | A | A | C | A | Closed | FPRO0011 | 2025-02-14 14:50 | 2025-02-21 13:57 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. Please find the attached PDI. - Seller-02/19/2025 Open-XXXX (XXXX) Incident Period: XXXX and continuing No comment noted from Appraiser. PDI report required - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please find the attached PDI. - Seller-02/19/2025 |
Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/21/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 799 vs. 740 min Months Reserves exceed minimum required - 34 months vs. 4 required |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3428295 | |
| 4000062464 | XXXX | D | B | A | A | D | B | C | A | Closed | FCOM5135 | 2025-02-14 08:33 | 2025-02-28 12:02 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Received attestation of no affiliates Originator waiver applied to non-material Findings - Due Diligence Vendor-02/28/2025 Ready for Review-Affiliated Business Disclosure is only required when Cash out & Investment purpose transaction. This is Cash out & Owner Occupied transaction. Please review and help to get it waived. - Seller-02/19/2025 Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-02/14/2025 |
Ready for Review-Affiliated Business Disclosure is only required when Cash out & Investment purpose transaction. This is Cash out & Owner Occupied transaction. Please review and help to get it waived. - Seller-02/19/2025 |
Waived-Received attestation of no affiliates Originator waiver applied to non-material Findings - Due Diligence Vendor-02/28/2025 |
Qualifying DTI below maximum allowed - 41.75% vs. max 49.99% LTV is less than guideline maximum - 58.86% vs. max 75% |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3423962 | ||
| 4000062464 | XXXX | D | B | A | A | D | B | C | A | Closed | FPRO0011 | 2025-02-18 15:02 | 2025-02-24 15:01 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/24/2025 Ready for Review-Document Uploaded. Please review the PDI for this file - Seller-02/20/2025 Open-California XXXX and continuing. PDI required - Due Diligence Vendor-02/19/2025 |
Ready for Review-Document Uploaded. Please review the PDI for this file - Seller-02/20/2025 |
Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/24/2025 |
Qualifying DTI below maximum allowed - 41.75% vs. max 49.99% LTV is less than guideline maximum - 58.86% vs. max 75% |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3441265 | |
| 4000062464 | XXXX | D | B | A | A | D | B | C | A | Closed | finding-3634 | 2025-02-14 08:49 | 2025-02-21 09:36 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC XXXX, finding resolved. - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. Please review the COC for increased fee. COC was missing in the closing package. - Seller-02/19/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Points-Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please review the COC for increased fee. COC was missing in the closing package. - Seller-02/19/2025 |
Resolved-Received COC XXXX, finding resolved. - Due Diligence Vendor-02/21/2025 |
Qualifying DTI below maximum allowed - 41.75% vs. max 49.99% LTV is less than guideline maximum - 58.86% vs. max 75% |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3424099 | |
| 4000066312 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 4000066311 | XXXX | D | A | D | A | C | A | A | A | Closed | FCRE1440 | 2025-02-18 09:50 | 2025-04-01 14:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 11 month payment history for the subject. Guidelines allow 1x30x12. - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. Please see attached VOM - Seller-03/31/2025 Counter-Provide a Letter of explanation (LOE) executed by such Relative confirming that there is/was no monthly obligation per guideline requirements. - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. Please see property profile showing property does not belong to the borrower please have this condition waived - Seller-03/05/2025 Counter-12 months acceptable payment history required to confirm in good standing. Finding remains. - Due Diligence Vendor-02/28/2025 Ready for Review-Document Uploaded. Hello, The mortgage does not belong to the borrower so it is not required. please waive condition - Seller-02/27/2025 Open-Housing History Does Not Meet Guideline Requirements Missing VOM for mortgage secured on subject property supporting 0x30 in 12 months. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please see attached VOM - Seller-03/31/2025 Ready for Review-Document Uploaded. Please see property profile showing property does not belong to the borrower please have this condition waived - Seller-03/05/2025 Ready for Review-Document Uploaded. Hello, The mortgage does not belong to the borrower so it is not required. please waive condition - Seller-02/27/2025 |
Resolved-Received 11 month payment history for the subject. Guidelines allow 1x30x12. - Due Diligence Vendor-04/01/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 761>680 Months Reserves exceed minimum required - 110>0 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3438052 | |
| 4000066311 | XXXX | D | A | D | A | C | A | A | A | Closed | FCRE5782 | 2025-02-18 09:50 | 2025-04-01 14:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-02/28/2025 Ready for Review-Document Uploaded. soft pull - Seller-02/26/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. soft pull - Seller-02/26/2025 |
Resolved-Received gap report. - Due Diligence Vendor-02/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 761>680 Months Reserves exceed minimum required - 110>0 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3438053 | |
| 4000066311 | XXXX | D | A | D | A | C | A | A | A | Closed | FCRE1148 | 2025-02-18 09:17 | 2025-03-06 13:15 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title policy provided. - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. Please see attached - Seller-03/05/2025 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage-must equal or exceed loan amount. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/05/2025 |
Resolved-Updated title policy provided. - Due Diligence Vendor-03/06/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 761>680 Months Reserves exceed minimum required - 110>0 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3437830 | |
| 4000066311 | XXXX | D | A | D | A | C | A | A | A | Closed | finding-47 | 2025-02-14 04:41 | 2025-03-06 08:34 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. Please see PCCD - Seller-03/05/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date XXXX. - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please see PCCD - Seller-03/05/2025 |
Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-03/06/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 761>680 Months Reserves exceed minimum required - 110>0 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3422855 | |
| 4000066311 | XXXX | D | A | D | A | C | A | A | A | Closed | FCRE1204 | 2025-02-18 09:55 | 2025-02-28 14:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received XXXX report. - Due Diligence Vendor-02/28/2025 Ready for Review-Document Uploaded. please see attached - Seller-02/26/2025 Open-Fraud Report Shows Uncleared Alerts Missing acceptable confirmation borrower has been cleared through XXXX - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. please see attached - Seller-02/26/2025 |
Resolved-Received XXXX report. - Due Diligence Vendor-02/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 761>680 Months Reserves exceed minimum required - 110>0 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3438096 | |
| 4000062702 | XXXX | D | B | A | A | D | B | C | A | Closed | FPRO0011 | 2025-02-19 16:37 | 2025-02-26 14:26 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. PDI - Seller-02/24/2025 Open-California XXXX - XXXX. PDI Required - Due Diligence Vendor-02/20/2025 |
Ready for Review-Document Uploaded. PDI - Seller-02/24/2025 |
Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/26/2025 |
LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 72.06%. Qualifying DTI below maximum allowed - 40.52% vs. max DTI of 49.99% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3450407 | |
| 4000062702 | XXXX | D | B | A | A | D | B | C | A | Closed | FCOM1252 | 2025-02-18 08:15 | 2025-02-26 09:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received LE XXXX. Finding resolved. - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. Please find the attached ILE dated XXXX. - Seller-02/24/2025 Counter-Received LE XXXX which is in file. Please provide the LE provided to borrower within three days of application date of XXXX. - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. it's in the package. Please review again. - Seller-02/21/2025 Open------Missing Initial LE dated XXXX. Additional findings may apply upon receipt. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please find the attached ILE dated XXXX. - Seller-02/24/2025 Ready for Review-Document Uploaded. it's in the package. Please review again. - Seller-02/21/2025 |
Resolved-Received LE XXXX. Finding resolved. - Due Diligence Vendor-02/26/2025 |
LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 72.06%. Qualifying DTI below maximum allowed - 40.52% vs. max DTI of 49.99% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3437487 | |
| 4000062702 | XXXX | D | B | A | A | D | B | C | A | Closed | FCOM5135 | 2025-02-18 07:39 | 2025-02-18 08:02 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/18/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/18/2025 |
LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 72.06%. Qualifying DTI below maximum allowed - 40.52% vs. max DTI of 49.99% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3437357 | |||
| 4000066873 | XXXX | D | B | D | A | D | B | A | A | Closed | FCOM5135 | 2025-02-19 10:49 | 2025-06-27 16:17 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-06/27/2025 Ready for Review-Document Uploaded. Please Ssee WSSPL. - Seller-02/24/2025 Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-02/19/2025 |
Ready for Review-Document Uploaded. Please Ssee WSSPL. - Seller-02/24/2025 |
Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-06/27/2025 |
Qualifying DTI below maximum allowed - 42.37% vs. 49.99% available LTV is less than guideline maximum - 26.32% LTV vs max of 80% LTV available |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3446304 | |
| 4000066873 | XXXX | D | B | D | A | D | B | A | A | Closed | FCRE5782 | 2025-02-20 15:34 | 2025-02-25 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. Please See Soft Pull. - Seller-02/24/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/20/2025 |
Ready for Review-Document Uploaded. Please See Soft Pull. - Seller-02/24/2025 |
Resolved-Received Gap report. - Due Diligence Vendor-02/25/2025 |
Qualifying DTI below maximum allowed - 42.37% vs. 49.99% available LTV is less than guideline maximum - 26.32% LTV vs max of 80% LTV available |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3456847 | |
| 4000066869 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-02-19 16:01 | 2025-06-27 16:19 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing __Originator waiver applied to non-material findings - Due Diligence Vendor-06/27/2025 | Waived-Required Affiliated Business Disclosure Missing __Originator waiver applied to non-material findings - Due Diligence Vendor-06/27/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 720 credit score (escrows waived). Qualifying credit score is 740. Credit history exceeds minimum required - B1 credit profile is over 8 years old. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3450050 | |||
| 4000066869 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE1241 | 2025-02-21 13:30 | 2025-03-05 15:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Escrow instructions. (For Sale by Owner). - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. Please see attached - Seller-03/03/2025 Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing Purchase Contract - Due Diligence Vendor-02/21/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/03/2025 |
Resolved-Received Escrow instructions. (For Sale by Owner). - Due Diligence Vendor-03/05/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 720 credit score (escrows waived). Qualifying credit score is 740. Credit history exceeds minimum required - B1 credit profile is over 8 years old. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3463688 | |
| 4000066869 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-02-21 14:22 | 2025-03-05 15:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. please see attached - Seller-03/03/2025 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-02/21/2025 |
Ready for Review-Document Uploaded. please see attached - Seller-03/03/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-03/05/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 720 credit score (escrows waived). Qualifying credit score is 740. Credit history exceeds minimum required - B1 credit profile is over 8 years old. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3464194 | |
| 4000066862 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-02-24 10:38 | 2025-03-07 14:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/07/2025 Ready for Review-Document Uploaded. Soft pull attached - Seller-03/05/2025 Open-Borrower 1 Gap Credit Report is Missing Missing credit supplement as required per guidelines. - Due Diligence Vendor-02/24/2025 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-03/05/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-03/07/2025 |
Qualifying DTI below maximum allowed - DTI of 43% is less than the maximum allowed per guidelines of 49.99% Qualifying FICO score is at least 20 points above minimum for program - FICO score of 753 is higher than the minimum required score of 680 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3468921 | |
| 4000066862 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE6844 | 2025-02-24 14:16 | 2025-03-07 14:31 | Resolved | 1 - Information | C | A | Credit | Assets | Gift Funds General | Resolved-Received Wire Receipt. - Due Diligence Vendor-03/07/2025 Ready for Review-Document Uploaded. Please see attached - Seller-03/05/2025 Open-Missing verification of receipt of gift funds of XXXX - Due Diligence Vendor-02/24/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/05/2025 |
Resolved-Received Wire Receipt. - Due Diligence Vendor-03/07/2025 |
Qualifying DTI below maximum allowed - DTI of 43% is less than the maximum allowed per guidelines of 49.99% Qualifying FICO score is at least 20 points above minimum for program - FICO score of 753 is higher than the minimum required score of 680 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3471595 | |
| 4000066862 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2025-02-24 14:18 | 2025-03-07 14:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 1 Missing | Resolved-Excluded Asset 1 per client. Funds were not required. - Due Diligence Vendor-03/07/2025 Ready for Review-Document Uploaded. Please see post 1003 - Seller-03/06/2025 Open-Missing Merrill stock asset statements as per reflected on final 1003 - Due Diligence Vendor-02/24/2025 |
Ready for Review-Document Uploaded. Please see post 1003 - Seller-03/06/2025 |
Resolved-Excluded Asset 1 per client. Funds were not required. - Due Diligence Vendor-03/07/2025 |
Qualifying DTI below maximum allowed - DTI of 43% is less than the maximum allowed per guidelines of 49.99% Qualifying FICO score is at least 20 points above minimum for program - FICO score of 753 is higher than the minimum required score of 680 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3471627 | |
| 4000066857 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-02-19 11:49 | 2025-02-19 11:49 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/19/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/19/2025 |
Months Reserves exceed minimum required - 10.27 mths reserves; 4 mths required. Qualifying FICO score is at least 20 points above minimum for program - 725 vs. 680 @ 80% LTV and loan amount of XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3447051 | |||
| 4000063855 | XXXX | C | A | A | A | A | A | C | A | Closed | FPRO0011 | 2025-02-20 13:17 | 2025-02-25 14:43 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. - Seller-02/24/2025 Open-XXXX Incident Period: XXXX No comment was noted by Appraiser - Due Diligence Vendor-02/20/2025 |
Ready for Review-Document Uploaded. - Seller-02/24/2025 |
Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/25/2025 |
Months Reserves exceed minimum required - 60 months available vs. 0 required Qualifying DTI below maximum allowed - 37.61% vs. 49.99% max allowed. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3455840 | |
| 4000066885 | XXXX | D | A | A | A | D | A | A | A | Closed | FCOM5135 | 2025-02-19 12:06 | 2025-02-25 11:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Rec'd Additional Details for Services You Can Shop For, vendors XXXX are not affiliates. Title Fees in Section B are payable to XXXX. Finding Resolved. - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. Affiliated is marked as "No" on the WSSPL. Please review again. - Seller-02/24/2025 Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-02/19/2025 |
Ready for Review-Document Uploaded. Affiliated is marked as "No" on the WSSPL. Please review again. - Seller-02/24/2025 |
Resolved-Rec'd Additional Details for Services You Can Shop For, vendors XXXX are not affiliates. Title Fees in Section B are payable to XXXX. Finding Resolved. - Due Diligence Vendor-02/25/2025 |
Verified employment history exceeds guidelines - The Borrower has been employed with the current employer for 23 years. Qualifying FICO score is at least 20 points above minimum for program - Borrowers credit score is 781; guideline minimum is 660. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3447286 | |
| 4000063851 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-02-20 09:33 | 2025-02-20 09:59 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-02/20/2025 | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-02/20/2025 |
LTV is less than guideline maximum - LTV 33.75% is lower than maximum 90% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 680 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3453542 | |||
| 4000068595 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE0360 | 2025-02-25 14:25 | 2025-02-27 14:17 | Resolved | 1 - Information | C | A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Upon further review, PITIA was located in the loan file. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. - Seller-02/25/2025 Ready for Review-Please see Note, Final CD, Hazard Insurance, and property profile for XXXX. These documents were also in the closing package from page 54-75 - Seller-02/25/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower recently purchased a primary home. The mortgage has not yet reported to credit, and no VOM or other documentation was provided to support the mortgage payment used in qualifying. Only the rent free letter was provided. - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. - Seller-02/25/2025 Ready for Review-Please see Note, Final CD, Hazard Insurance, and property profile for XXXX. These documents were also in the closing package from page 54-75 - Seller-02/25/2025 |
Resolved-Upon further review, PITIA was located in the loan file. - Due Diligence Vendor-02/27/2025 |
Months Reserves exceed minimum required - Guides do not require any reserves and the borrower has 12.68 months. LTV is less than guideline maximum - Qualifying LTV 55.61 is lower than the guideline max of 80. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 700 is more than 20 points higher than the guideline min of 660. Qualifying DTI below maximum allowed - Qualifying DTI 34.31 is lower than the guideline max of 49.99. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3479196 | |
| 4000068595 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE1202 | 2025-02-25 14:25 | 2025-02-27 14:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Management approval. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. please see fraud alert letter. It was already included in the closing package - Seller-02/25/2025 Open-Third Party Fraud Report Partially Provided Missing management approval for score over 800 - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. please see fraud alert letter. It was already included in the closing package - Seller-02/25/2025 |
Resolved-Received Management approval. - Due Diligence Vendor-02/27/2025 |
Months Reserves exceed minimum required - Guides do not require any reserves and the borrower has 12.68 months. LTV is less than guideline maximum - Qualifying LTV 55.61 is lower than the guideline max of 80. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 700 is more than 20 points higher than the guideline min of 660. Qualifying DTI below maximum allowed - Qualifying DTI 34.31 is lower than the guideline max of 49.99. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3479202 | |
| 4000068595 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE7497 | 2025-02-25 14:44 | 2025-02-27 14:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. please see property profile. It is SFR so no HOA. - Seller-02/25/2025 Open-No documentation or statement provided to address any potential HOA dues for property 3a. - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. please see property profile. It is SFR so no HOA. - Seller-02/25/2025 |
Resolved-Received HOA verification. - Due Diligence Vendor-02/27/2025 |
Months Reserves exceed minimum required - Guides do not require any reserves and the borrower has 12.68 months. LTV is less than guideline maximum - Qualifying LTV 55.61 is lower than the guideline max of 80. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 700 is more than 20 points higher than the guideline min of 660. Qualifying DTI below maximum allowed - Qualifying DTI 34.31 is lower than the guideline max of 49.99. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3479391 | |
| 4000068595 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-02-25 11:26 | 2025-02-25 11:26 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/25/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/25/2025 |
Months Reserves exceed minimum required - Guides do not require any reserves and the borrower has 12.68 months. LTV is less than guideline maximum - Qualifying LTV 55.61 is lower than the guideline max of 80. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 700 is more than 20 points higher than the guideline min of 660. Qualifying DTI below maximum allowed - Qualifying DTI 34.31 is lower than the guideline max of 49.99. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | No | 3477228 | |||
| 4000068586 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-02-28 10:45 | 2025-02-28 10:45 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/28/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 742 vs. minimum of 660 Qualifying DTI below maximum allowed - 33.35% DTI vs. max DTI of 49.99% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3501773 | |||
| 4000068592 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 4000064623 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| 4000068618 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 4000068616 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE3464 | 2025-03-06 10:12 | 2025-03-10 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received Google Search - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. Please review the document - Seller-03/07/2025 Open-Missing - Business phone number must be verifiable via XXXX Search, XXXX or internet. - Due Diligence Vendor-03/06/2025 |
Ready for Review-Document Uploaded. Please review the document - Seller-03/07/2025 |
Resolved-Received Google Search - Due Diligence Vendor-03/10/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 814 is more than 20 points higher than the guideline min of 680. LTV is less than guideline maximum - Qualifying LTV 75 is less than the guideline max of 90. Months Reserves exceed minimum required - Guides do not require reserves and the borrower has 7 months. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3543684 | |
| 4000068610 | XXXX | C | B | C | A | B | B | A | A | Closed | FCRE1159 | 2025-03-06 09:42 | 2025-03-11 11:21 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received Final Settlement Statement with a Disbursement Date of XXXX - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. Please See Final Settlement statement to show the Disbursement date is XXXX - Seller-03/07/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX and disbursement date is XXXX. - Due Diligence Vendor-03/06/2025 |
Ready for Review-Document Uploaded. Please See Final Settlement statement to show the Disbursement date is XXXX - Seller-03/07/2025 |
Resolved-Received Final Settlement Statement with a Disbursement Date of XXXX - Due Diligence Vendor-03/11/2025 |
LTV is less than guideline maximum - LTV is 58.22% and max allowed is 80%. Qualifying FICO score is at least 20 points above minimum for program - Score is 804 and minimum allowed is 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3543262 | |
| 4000068610 | XXXX | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-03-05 11:47 | 2025-03-05 11:47 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2025 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2025 |
LTV is less than guideline maximum - LTV is 58.22% and max allowed is 80%. Qualifying FICO score is at least 20 points above minimum for program - Score is 804 and minimum allowed is 660. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3533273 | |||
| 4000069924 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE8611 | 2025-03-13 00:19 | 2025-03-14 15:09 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. please see business phone num verification - Seller-03/13/2025 Open-Business Number internet search is missing. Per guidelines Business phone number verification via XXXX Search, XXXX or internet is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. please see business phone num verification - Seller-03/13/2025 |
Resolved-Received Internet Search. - Due Diligence Vendor-03/14/2025 |
Months Reserves exceed minimum required - 56 months reserves are greater than 9 months required Qualifying FICO score is at least 20 points above minimum for program - FICO 776 is higher than minimum required 720 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3598786 | |
| 4000069924 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-03-13 09:34 | 2025-03-14 15:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA. - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. Please see PITIA. For property XXXX, it is our concurrent loan and still in Doc Out Status; therefore, please see Initial 1003, HOI, and Prelim for that property. - Seller-03/13/2025 Open-Missing verification of PITIA for REO 3C as reflected on the Final 1003. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. Please see PITIA. For property XXXX, it is our concurrent loan and still in Doc Out Status; therefore, please see Initial 1003, HOI, and Prelim for that property. - Seller-03/13/2025 |
Resolved-Received PITIA. - Due Diligence Vendor-03/14/2025 |
Months Reserves exceed minimum required - 56 months reserves are greater than 9 months required Qualifying FICO score is at least 20 points above minimum for program - FICO 776 is higher than minimum required 720 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3601214 | |
| 4000071131 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE1345 | 2025-03-17 21:49 | 2025-04-24 10:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received corrected 1003 removing property - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. - Seller-04/24/2025 Counter-New documentation was not attached. Please provide documentation to support the removal of XXXX (XXXX). - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. Please find the attached updated 1008. - Seller-03/23/2025 Counter-Updated 1003 provided. Please provide the Lease Agreement and Please provide documentation for the removal of XXXX (XXXX). - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. - Seller-03/19/2025 Open-Borrower 1 Lease Agreements Missing Section 3 of the final loan application reflects the borrower owns two additional properties. The 1008 and 1003's in file indicate that rental income was used to offset the full PITIA payment for these investment properties. The loan file is missing documentation of rental income for properties XXXX and XXXX. If proper documentation for the rental income cannot be obtained, the combined rental income of XXXX must be removed and the rental loss must be recalculated. Additional conditions may apply. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. - Seller-04/24/2025 Ready for Review-Document Uploaded. Please find the attached updated 1008. - Seller-03/23/2025 Ready for Review-Document Uploaded. - Seller-03/19/2025 |
Resolved-Received corrected 1003 removing property - Due Diligence Vendor-04/24/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 703 qualifying FICO score, 660 minimum score required. Qualifying DTI below maximum allowed - Borrower was qualified with a DTI ratio of 27.26%, 49.99% DTI maximum allowed. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3631989 | |
| 4000071131 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE7497 | 2025-03-17 21:40 | 2025-04-24 10:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received corrected 1003 removing property - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. - Seller-04/24/2025 Counter-New documentation was not attached. Please provide documentation to support the removal of 3b (XXXX). - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. Please find the attached updated 1008. - Seller-03/23/2025 Counter-Updated 1003 provided. Please provide documentation for the removal of 3b (XXXX). - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. Please find the attached Post 1003. - Seller-03/19/2025 Open-The latest dated loan application in file reflects the borrower owns two properties in addition to the subject property. The loan file is missing the verification of taxes, insurance, and/or HOA fees for REO property XXXX. The loan file is also missing a copy of the Note or a mortgage statement verifying the monthly P&I payment of a lien for XXXX securing this property. Additional conditions may apply. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. - Seller-04/24/2025 Ready for Review-Document Uploaded. Please find the attached updated 1008. - Seller-03/23/2025 Ready for Review-Document Uploaded. Please find the attached Post 1003. - Seller-03/19/2025 |
Resolved-Received corrected 1003 removing property - Due Diligence Vendor-04/24/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 703 qualifying FICO score, 660 minimum score required. Qualifying DTI below maximum allowed - Borrower was qualified with a DTI ratio of 27.26%, 49.99% DTI maximum allowed. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3631920 | |
| 4000071131 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE1506 | 2025-03-17 22:43 | 2025-04-24 10:03 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. - Seller-04/24/2025 Counter-New documentation was not attached. Please provide documentation to support the removal of XXXX (XXXX). - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. Please find the attached updated 1008. - Seller-03/23/2025 Counter-Updated 1003 provided. Please provide the Lease Agreement and Please provide documentation for the removal of XXXX (XXXX). - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. Please find the attached Post 1003. - Seller-03/19/2025 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Loan file is missing rental income docs for props XXXX and XXXX on the loan applications. Loan file is also missing the PITIA docs for property 3b. Unable to calculate the DTI ratio until requisite documentation has been reviewed. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. - Seller-04/24/2025 Ready for Review-Document Uploaded. Please find the attached updated 1008. - Seller-03/23/2025 Ready for Review-Document Uploaded. Please find the attached Post 1003. - Seller-03/19/2025 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/24/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 703 qualifying FICO score, 660 minimum score required. Qualifying DTI below maximum allowed - Borrower was qualified with a DTI ratio of 27.26%, 49.99% DTI maximum allowed. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3632225 | |
| 4000071131 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-03-14 18:08 | 2025-03-14 18:08 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/14/2025 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/14/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 703 qualifying FICO score, 660 minimum score required. Qualifying DTI below maximum allowed - Borrower was qualified with a DTI ratio of 27.26%, 49.99% DTI maximum allowed. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3618919 | |||
| 4000069900 | XXXX | D | B | C | A | D | B | A | A | Closed | FCOM5135 | 2025-03-20 12:04 | 2025-06-27 18:05 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/27/2025 Ready for Review-Document Uploaded. please see WSSPL - Seller-03/24/2025 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. please see WSSPL - Seller-03/24/2025 |
Waived-Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/27/2025 |
LTV is less than guideline maximum - Qualifying LTV 63.07 is lower than the guideline max of 80. Qualifying DTI below maximum allowed - Qualifying DTI 35.15 is lower than the guideline max of 49.99. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 774 is more than 20 points higher than the guideline min of 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3658513 | |
| 4000069900 | XXXX | D | B | C | A | D | B | A | A | Closed | FCRE9501 | 2025-03-21 16:43 | 2025-03-28 15:03 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Upon further review, the loan file contained sufficient asset documentation. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Based on our calculation, the verified asset is XXXX. Please see the bank statement for the asset again and could you please advise? - Seller-03/26/2025 Counter-Received PCCD, however it reflects closing funds of XXXX and the loan file has verified assets of XXXX which is insufficient. - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. please see PCCD - Seller-03/24/2025 Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. - Due Diligence Vendor-03/21/2025 |
Ready for Review-Document Uploaded. Based on our calculation, the verified asset is XXXX. Please see the bank statement for the asset again and could you please advise? - Seller-03/26/2025 Ready for Review-Document Uploaded. please see PCCD - Seller-03/24/2025 |
Resolved-Upon further review, the loan file contained sufficient asset documentation. - Due Diligence Vendor-03/28/2025 |
LTV is less than guideline maximum - Qualifying LTV 63.07 is lower than the guideline max of 80. Qualifying DTI below maximum allowed - Qualifying DTI 35.15 is lower than the guideline max of 49.99. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 774 is more than 20 points higher than the guideline min of 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3672376 | |
| 4000069900 | XXXX | D | B | C | A | D | B | A | A | Closed | FCRE0044 | 2025-03-21 16:46 | 2025-03-27 14:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. please see LOX - Seller-03/25/2025 Open-LOX for credit inquiries is missing. - Due Diligence Vendor-03/21/2025 |
Ready for Review-Document Uploaded. please see LOX - Seller-03/25/2025 |
Resolved-Received LOE. - Due Diligence Vendor-03/27/2025 |
LTV is less than guideline maximum - Qualifying LTV 63.07 is lower than the guideline max of 80. Qualifying DTI below maximum allowed - Qualifying DTI 35.15 is lower than the guideline max of 49.99. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 774 is more than 20 points higher than the guideline min of 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3672408 | |
| 4000069900 | XXXX | D | B | C | A | D | B | A | A | Closed | finding-3617 | 2025-03-20 12:58 | 2025-03-25 08:17 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. please see PCCD - Seller-03/24/2025 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. please see PCCD - Seller-03/24/2025 |
Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved - Due Diligence Vendor-03/25/2025 |
LTV is less than guideline maximum - Qualifying LTV 63.07 is lower than the guideline max of 80. Qualifying DTI below maximum allowed - Qualifying DTI 35.15 is lower than the guideline max of 49.99. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 774 is more than 20 points higher than the guideline min of 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3659436 | |
| 4000071118 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE6666 | 2025-03-25 11:24 | 2025-03-27 10:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Field review provided supporting value. - Due Diligence Vendor-03/27/2025 Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Missing revised desk review to match/reflect appraisal date of XXXX and appraisal value of XXXX - Due Diligence Vendor-03/25/2025 |
Resolved-Field review provided supporting value. - Due Diligence Vendor-03/27/2025 |
LTV is less than guideline maximum - Qualifying LTV 57.40 is lower than the guideline max of 75. Months Reserves exceed minimum required - Guides do not require any reserves and the borrower has 47 months. Qualifying DTI below maximum allowed - Qualifying DTI 32.62 is lower than the guideline max of 49.99. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776 is more than 20 points higher than the guideline min of 660. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3689380 | ||
| 4000071118 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1510 | 2025-03-21 11:34 | 2025-03-27 09:37 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-03/27/2025 Ready for Review-Please review the Legal Description - Seller-03/26/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Deed of Trust is missing legal description. - Due Diligence Vendor-03/21/2025 |
Ready for Review-Please review the Legal Description - Seller-03/26/2025 |
Resolved-Legal description provided. - Due Diligence Vendor-03/27/2025 |
LTV is less than guideline maximum - Qualifying LTV 57.40 is lower than the guideline max of 75. Months Reserves exceed minimum required - Guides do not require any reserves and the borrower has 47 months. Qualifying DTI below maximum allowed - Qualifying DTI 32.62 is lower than the guideline max of 49.99. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776 is more than 20 points higher than the guideline min of 660. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3668641 | |
| 4000071349 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-03-26 17:49 | 2025-04-22 17:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received corrected 1003. - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. Please find the attached 1003. - Seller-04/20/2025 Open-1003 ALSO INCLUDED A REO XXXX, BUT FILE DID NOT INCLUDE ANY DOCUMENTS TO DOCUMENT THE PITIA - Due Diligence Vendor-03/26/2025 |
Ready for Review-Document Uploaded. Please find the attached 1003. - Seller-04/20/2025 |
Resolved-Received corrected 1003. - Due Diligence Vendor-04/22/2025 |
Qualifying DTI below maximum allowed - DTI 21.72% Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 703 ; guidelines require 660 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3703864 | |
| 4000071349 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2025-03-26 17:46 | 2025-04-01 14:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD. Audited Reserves of 7.69 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. The borrower has enough funds to cover the reserve. Please waive this condition. - Seller-03/31/2025 Open-Audited Reserves of 5.05 month(s) are less than Guideline Required Reserves of 6 month(s) Insuff Rsrvs - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. The borrower has enough funds to cover the reserve. Please waive this condition. - Seller-03/31/2025 |
Resolved-Received PCCD. Audited Reserves of 7.69 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/01/2025 |
Qualifying DTI below maximum allowed - DTI 21.72% Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 703 ; guidelines require 660 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3703842 | |
| 4000071360 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| 4000071377 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-03-28 13:30 | 2025-03-28 13:30 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/28/2025 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 798 ; guidelines require 660 LTV is less than guideline maximum - Qualifying LTV 59.68%; Guideline max 80% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3721354 | |||
| 4000075331 | XXXX | D | A | D | A | A | A | A | A | Closed | FVAL5474 | 2025-04-09 16:23 | 2025-04-16 08:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo project is ineligible | Resolved-Corrected appraisal received. XXXX units in subject phase complete, XXXX are sold. - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. please see updated appraisal - Seller-04/15/2025 Open-*New* Guidelines requires condo's to meet XXXX requirements. XXXX units have sold. - Due Diligence Vendor-04/09/2025 |
Ready for Review-Document Uploaded. please see updated appraisal - Seller-04/15/2025 |
Resolved-Corrected appraisal received. XXXX units in subject phase complete, XXXX are sold. - Due Diligence Vendor-04/16/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 762 ; guidelines require 660 Months Reserves exceed minimum required - 8 months reserves; 4 months reserves required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3821997 | |
| 4000075331 | XXXX | D | A | D | A | A | A | A | A | Closed | FPRO1255 | 2025-04-04 17:18 | 2025-04-16 08:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. please see condo quest - Seller-04/08/2025 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire. per appraisal 16 units and only 5 sold. < 90% - Due Diligence Vendor-04/07/2025 |
Ready for Review-Document Uploaded. please see condo quest - Seller-04/08/2025 |
Resolved-Received HOA Questionnaire - Due Diligence Vendor-04/09/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 762 ; guidelines require 660 Months Reserves exceed minimum required - 8 months reserves; 4 months reserves required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3789441 | |
| 4000075331 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2025-04-04 18:44 | 2025-04-14 16:11 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received source of the deposit. - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. please see the withdrawal of XXXX from bank acc XXXX - Seller-04/10/2025 Counter-Statement for account XXXX provided, however it does not disclose the source of the XXXX. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. please see bank stmt and post 1003 - Seller-04/08/2025 Open-Asset Qualification Does Not Meet Guideline Requirements SOURCE OF WIRE IAO XXXX HAS NOT BEEN SOURCED, FOR THIS REASON WAS NOT INCLUDED IN ASSET CALCULATION. - Due Diligence Vendor-04/04/2025 |
Ready for Review-Document Uploaded. please see the withdrawal of XXXX from bank acc XXXX - Seller-04/10/2025 Ready for Review-Document Uploaded. please see bank stmt and post 1003 - Seller-04/08/2025 |
Resolved-Received source of the deposit. - Due Diligence Vendor-04/14/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 762 ; guidelines require 660 Months Reserves exceed minimum required - 8 months reserves; 4 months reserves required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3790059 | |
| 4000073043 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| 4000075568 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-04-04 09:41 | 2025-04-04 09:41 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-04/04/2025 | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-04/04/2025 |
Qualifying DTI below maximum allowed - Maximum DTI is 49.99%; qualifying DTI is 35.66%. Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 705. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3782965 | |||
| 4000073048 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-04-07 15:28 | 2025-04-09 15:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. Soft pull attached - Seller-04/07/2025 Open-Borrower 1 Gap Credit Report is Missing File missing GAP report and FRAUD REPORT did not provide UNDISCLOSED DEBT - Due Diligence Vendor-04/07/2025 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-04/07/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-04/09/2025 |
Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO 760 ; guidelines require 660 Months Reserves exceed minimum required - o 7 months reserves; 4 months reserves required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3799375 | |
| 4000073048 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-04-03 10:29 | 2025-04-03 11:01 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/03/2025 | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/03/2025 |
Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO 760 ; guidelines require 660 Months Reserves exceed minimum required - o 7 months reserves; 4 months reserves required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3772387 | |||
| 4000073060 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 4000071198 | XXXX | D | A | D | A | A | A | C | A | Closed | FCOM1352 | 2025-04-08 11:45 | 2025-05-16 13:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Receive Business Purpose & Occupancy Affidavit - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/14/2025 Counter-Received Occupancy Affidavit-Business Purpose Certification is required. Finding remains - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. - Seller-05/06/2025 Open-Business Purpose Affidavit/Disclosure Missing on DSCR loan. - Due Diligence Vendor-04/08/2025 |
Ready for Review-Document Uploaded. - Seller-05/14/2025 Ready for Review-Document Uploaded. - Seller-05/06/2025 |
Resolved-Receive Business Purpose & Occupancy Affidavit - Due Diligence Vendor-05/16/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 752, Min FICO 660 Months Reserves exceed minimum required - 38.58 mths reserves; 3 mths required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3807267 | |
| 4000071198 | XXXX | D | A | D | A | A | A | C | A | Closed | FPRO1250 | 2025-04-07 10:27 | 2025-04-29 11:04 | Resolved | 1 - Information | C | A | Property | Property | Property Condition Rating Does Not Meet Program Requirements | Resolved-Structural engineers report provided confirming both the foundation an roof are adequate. - Due Diligence Vendor-04/29/2025 Open-Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements Appraiser noted that subject built in XXXX suffers from some deferred maintenance consisting of minimal neglect. Appraiser stated that sunlight was observed coming through attic ceiling and that there were visible signs of water damage on various areas of the celling within the interior of the home Appraiser also noted foundation cracks. Although engineer letter provided stating that the foundation and roof are structurally adequate, file is missing evidence that the water damage on various areas of the celling was repaired. although appraiser does not specifically state the areas impacted by water damage, photos on PDF 425 show ceiling damage & 426. - Due Diligence Vendor-04/07/2025 |
Resolved-Structural engineers report provided confirming both the foundation an roof are adequate. - Due Diligence Vendor-04/29/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 752, Min FICO 660 Months Reserves exceed minimum required - 38.58 mths reserves; 3 mths required. |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3794753 | |||
| 4000071170 | XXXX | D | A | D | A | C | A | A | A | Closed | FCRE5116 | 2025-04-09 16:44 | 2025-06-30 21:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/01/2025 Resolved-Received Feb Mortgage Statement. - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. proof Feb pymt is reflected on the mortgage statement. Loan closed XXXX - proof March pymt is not required. - Seller-04/14/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing updated mortgage payment history for mortgage account ending in XXXX on credit report. XXXX. (Mortgage is reporting on borrower's personal credit report) - Due Diligence Vendor-04/09/2025 |
Ready for Review-Document Uploaded. proof Feb pymt is reflected on the mortgage statement. Loan closed 03/31 - proof March pymt is not required. - Seller-04/14/2025 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/01/2025 Resolved-Received XXXX Mortgage Statement. - Due Diligence Vendor-04/15/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 762; minimum score 740. Qualifying DTI below maximum allowed - 44.9% DTI; 55% allowed Months Reserves exceed minimum required - 10.9 months reserves; 6 months reserves required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3822238 | |
| 4000071170 | XXXX | D | A | D | A | C | A | A | A | Closed | FCRE7497 | 2025-04-09 16:58 | 2025-04-28 14:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The lender confirmed there are no HOA fees. - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. - Seller-04/24/2025 Counter-Please provide documentation to support. - Due Diligence Vendor-04/15/2025 Ready for Review-There are no HOA dues for this property - This is a SFR built in XXXX in an old community. - Seller-04/14/2025 Open-Missing verification of any HOA dues on XXXX - Due Diligence Vendor-04/09/2025 |
Ready for Review-Document Uploaded. - Seller-04/24/2025 Ready for Review-There are no HOA dues for this property - This is a SFR built in XXXX in an old community. - Seller-04/14/2025 |
Resolved-The lender confirmed there are no HOA fees. - Due Diligence Vendor-04/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 762; minimum score 740. Qualifying DTI below maximum allowed - 44.9% DTI; 55% allowed Months Reserves exceed minimum required - 10.9 months reserves; 6 months reserves required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3822374 | |
| 4000071170 | XXXX | D | A | D | A | C | A | A | A | Closed | finding-3540 | 2025-04-21 08:11 | 2025-04-28 14:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no additional documentation is needed. Finding Resolved. - Due Diligence Vendor-04/28/2025 Counter-----Received COC XXXX stating change of circumstance with no specific changes listed. CD XXXX is missing evidence of delivery. Provide change of circumstance detailing fee increases or decreases and evidence of delivery for CD XXXX - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. - Seller-04/25/2025 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised 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; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. - Seller-04/25/2025 |
Resolved-Upon further review, no additional documentation is needed. Finding Resolved. - Due Diligence Vendor-04/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 762; minimum score 740. Qualifying DTI below maximum allowed - 44.9% DTI; 55% allowed Months Reserves exceed minimum required - 10.9 months reserves; 6 months reserves required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3912439 | |
| 4000071170 | XXXX | D | A | D | A | C | A | A | A | Closed | finding-3635 | 2025-04-07 14:37 | 2025-04-28 14:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, no additional documentation is needed. Finding Resolved. - Due Diligence Vendor-04/28/2025 Counter-----Received COC XXXX stating change of circumstance with no specific changes listed. CD XXXX is missing evidence of delivery. Provide change of circumstance detailing fee increases or decreases and evidence of delivery for CD XXXX - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. - Seller-04/25/2025 Counter-Received CD XXXX, no change of circumstance, finding remains. - Due Diligence Vendor-04/21/2025 Ready for Review-see CD document on other condition - Seller-04/17/2025 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% (XXXX) exceed the comparable charges (XXXX) 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). -----Ten (10%) tolerance fees (Recording Fee) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX. - Due Diligence Vendor-04/08/2025 |
Ready for Review-Document Uploaded. - Seller-04/25/2025 Ready for Review-see CD document on other condition - Seller-04/17/2025 |
Resolved-Upon further review, no additional documentation is needed. Finding Resolved. - Due Diligence Vendor-04/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 762; minimum score 740. Qualifying DTI below maximum allowed - 44.9% DTI; 55% allowed Months Reserves exceed minimum required - 10.9 months reserves; 6 months reserves required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3798601 | |
| 4000071170 | XXXX | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2025-04-07 14:37 | 2025-04-28 14:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no additional documentation is needed. Finding Resolved. - Due Diligence Vendor-04/28/2025 Counter-----Received COC XXXX stating change of circumstance with no specific changes listed. CD XXXX is missing evidence of delivery. Provide change of circumstance detailing fee increases or decreases and evidence of delivery for CD XXXX - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. - Seller-04/25/2025 Counter-Received CD XXXX, no change of circumstance, finding remains. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. - Seller-04/17/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by XXXX (Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX. - Due Diligence Vendor-04/07/2025 |
Ready for Review-Document Uploaded. - Seller-04/25/2025 Ready for Review-Document Uploaded. - Seller-04/17/2025 |
Resolved-Upon further review, no additional documentation is needed. Finding Resolved. - Due Diligence Vendor-04/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 762; minimum score 740. Qualifying DTI below maximum allowed - 44.9% DTI; 55% allowed Months Reserves exceed minimum required - 10.9 months reserves; 6 months reserves required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3798599 | |
| 4000074273 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-04-10 16:12 | 2025-04-14 16:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. Please find the attached Gap Credit Report - Seller-04/10/2025 Open-Borrower 1 Gap Credit Report is Missing -Missing Gap Credit Report - Due Diligence Vendor-04/10/2025 |
Ready for Review-Document Uploaded. Please find the attached Gap Credit Report - Seller-04/10/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-04/14/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 776 is higher than the 660 minimum required Months Reserves exceed minimum required - 6.2 Months reserves higher than 4 moths required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3832739 | |
| 4000074273 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-04-09 12:38 | 2025-04-09 12:38 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-04/09/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-04/09/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 776 is higher than the 660 minimum required Months Reserves exceed minimum required - 6.2 Months reserves higher than 4 moths required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3818733 | |||
| 4000075583 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE1506 | 2025-04-13 11:11 | 2025-04-22 09:41 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower is not on other REO Note and loan is escrowed. Finding resolved. - Due Diligence Vendor-04/22/2025 Counter-Borrower signed the CD XXXX-provide confirmation borrower has no title ownership to XXXX. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. Hello, Also XXXX ( property "3c") is under a different borrower name please waive this condition, xxxx xx is the only borrower for XXXX ( property "3c") therefore XXXX is not obligated to Pay HOI/RE Taxes on investment property - Seller-04/18/2025 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. CD shows tax and escrow is impounded with mortgage and the borrower has no obligation to the mortgage. - Seller-04/15/2025 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Need documentation to verify Bor is not responsible for paying HOI/RE Taxes on investment property "3c" on the loan application. Including the HOI & RE tax will cause DTI to exceed the maximum allowed. - Due Diligence Vendor-04/13/2025 |
Ready for Review-Document Uploaded. Hello, AlsoXXXX ( property XXXX) is under a different borrower name please waive this condition, XXXX is the only borrower for XXXX) therefore XXXX is not obligated to Pay HOI/RE Taxes on investment property - Seller-04/18/2025 Ready for Review-Document Uploaded. CD shows tax and escrow is impounded with mortgage and the borrower has no obligation to the mortgage. - Seller-04/15/2025 |
Resolved--Borrower is not on other REO Note and loan is escrowed. Finding resolved. - Due Diligence Vendor-04/22/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 749 qualifying FICO score, 660 minimum score required. On time mortgage history exceeds guideline requirement - Borrower has 0x30 x14 months mortgage history, guides allow maximum of 1x30 during the past 12 months. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3850410 | |
| 4000075583 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE7497 | 2025-04-13 11:31 | 2025-04-22 09:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Borrower is not on other REO Note and loan is escrowed. Finding resolved. - Due Diligence Vendor-04/22/2025 Counter-Borrower signed the CD XXXX-provide confirmation borrower has no title ownership to XXXX. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. Hello, XXXX ( property "3c") is under a different borrower name please waive this condition, xxxx xx is the only borrower for XXXX ( property "XXXX") therefore xxx xxxxx xxxx is not obligated to Pay HOI/RE Taxes on investment property - Seller-04/18/2025 Counter-1003 provided, however we are missing documentation to support the borrower is not responsible for the taxes and insurance. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Please see attached - Seller-04/15/2025 Open-Per the final loan application, Section 3, property 3c was not included in the borrower's DTI ratio. Note in file indicates the borrower does not have financial obligations to repay the mortgage. However, address XXXX of the address summary report (from the borrower's fraud report) lists the borrower as the second owner, indicating the borrower does have vested interested. It should be noted that the loan file has a copy of the closing disclosure from the purchase of this property, which was executed by the borrower, and provided the figures for monthly insurance and real estate taxes. There is no documentation in the loan file to show that the borrower is not financially obligated to pay real estate taxes and/or insurance premiums on the property. It should also be noted that, due to the adjustments made to the borrower's bonus income and rental income on their other investment property, the inclusion of the real estate taxes and hazard insurance will cause the DTI to exceed the maximum allowed. - Due Diligence Vendor-04/13/2025 |
Ready for Review-Document Uploaded. Hello, XXXX is under a different borrower name please waive this condition, XXXX is the only borrower for XXXX") therefore XXXX is not obligated to Pay HOI/RE Taxes on investment property - Seller-04/18/2025 Ready for Review-Document Uploaded. Please see attached - Seller-04/15/2025 |
Resolved--Borrower is not on other REO Note and loan is escrowed. Finding resolved. - Due Diligence Vendor-04/22/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 749 qualifying FICO score, 660 minimum score required. On time mortgage history exceeds guideline requirement - Borrower has 0x30 x14 months mortgage history, guides allow maximum of 1x30 during the past 12 months. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3850465 | |
| 4000075583 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE6737 | 2025-04-13 11:52 | 2025-04-17 18:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received 1003 including the vacancy factor. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Please see attached - Seller-04/15/2025 Open-Per guides, for rental property other than subject property, the rental income calculation requires using 75% of gross rent less PITI and HOA dues. Per loan application and 1008, the underwriter used 100% of the lease income for property "XXXX" of section 3 of the loan application. There was no explanation for using 100% of the gross rent. - Due Diligence Vendor-04/13/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/15/2025 |
Resolved-Received 1003 including the vacancy factor. - Due Diligence Vendor-04/17/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 749 qualifying FICO score, 660 minimum score required. On time mortgage history exceeds guideline requirement - Borrower has 0x30 x14 months mortgage history, guides allow maximum of 1x30 during the past 12 months. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3850525 | |
| 4000075583 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-04-13 10:48 | 2025-04-17 18:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. - Seller-04/15/2025 Open-Borrower 1 Gap Credit Report is Missing Missing Gap report for B1 - Due Diligence Vendor-04/13/2025 |
Ready for Review-Document Uploaded. - Seller-04/15/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-04/16/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 749 qualifying FICO score, 660 minimum score required. On time mortgage history exceeds guideline requirement - Borrower has 0x30 x14 months mortgage history, guides allow maximum of 1x30 during the past 12 months. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3850352 | |
| 4000075583 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE9501 | 2025-04-13 10:59 | 2025-04-17 09:36 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Upon further review and post close CD. Assets meets guideline requirement and no additional documentation required. - Due Diligence Vendor-06/27/2025 Ready for Review-Document Uploaded. Please see attached - Seller-04/15/2025 Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Per final CD, borrower was required to bring XXXX cash to close. Loan file contains a bank statement through XXXX with a current balance of XXXX. The loan file is missing documentation of sufficient assets dated prior to closing to cover closing costs. - Due Diligence Vendor-04/13/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/15/2025 |
Resolved-Upon further review and post close CD. Assets meets guideline requirement and no additional documentation required. - Due Diligence Vendor-06/27/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 749 qualifying FICO score, 660 minimum score required. On time mortgage history exceeds guideline requirement - Borrower has 0x30 x14 months mortgage history, guides allow maximum of 1x30 during the past 12 months. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3850377 | |
| 4000075583 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-04-11 13:15 | 2025-04-11 13:15 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/11/2025 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/11/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 749 qualifying FICO score, 660 minimum score required. On time mortgage history exceeds guideline requirement - Borrower has 0x30 x14 months mortgage history, guides allow maximum of 1x30 during the past 12 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3841969 | |||
| 4000075330 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 4000073320 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE1510 | 2025-04-14 15:24 | 2025-04-23 17:41 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. Please find the attached Exhibit A - Seller-04/21/2025 Counter-Cert of Trust provided, however we are missing the legal description attached to the Mortgage. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. - Seller-04/16/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached Legal Description (Exhibit A). - Due Diligence Vendor-04/14/2025 |
Ready for Review-Document Uploaded. Please find the attached Exhibit A - Seller-04/21/2025 Ready for Review-Document Uploaded. - Seller-04/16/2025 |
Resolved-Received Legal Description. - Due Diligence Vendor-04/23/2025 |
Months Reserves exceed minimum required - o 58 Months reserves; 0 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 777 ; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3859352 | |
| 4000073320 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE1254 | 2025-04-15 07:19 | 2025-04-17 18:43 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received Certification of Trust. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Please find the attached trust certification. - Seller-04/16/2025 Open-Property Title Issue GUIDELINE:Title insurance policy MUST STATE that title to the security property is vested in the trustee(s) of the inter vivos revocable trust, BUT Title says as XXXX. *** Certification of trusties under TRUST is not completed with name, date, trustor, original trustees, or Trust ID no. - Due Diligence Vendor-04/15/2025 |
Ready for Review-Document Uploaded. Please find the attached trust certification. - Seller-04/16/2025 |
Resolved-Received Certification of Trust. - Due Diligence Vendor-04/17/2025 |
Months Reserves exceed minimum required - o 58 Months reserves; 0 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 777 ; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3864583 | |
| 4000073320 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE1252 | 2025-04-15 07:19 | 2025-04-17 18:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Certification of Trust. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Please find the attached trust certification. - Seller-04/16/2025 Open-Title Document is Incomplete GUIDELINE:Title insurance policy MUST STATE that title to the security property is vested in the trustee(s) of the inter vivos revocable trust, BUT Title says as XXXX. *** Certification of trusties under TRUST is not completed with name, date, trustor, original trustees, or Trust ID no. - Due Diligence Vendor-04/15/2025 |
Ready for Review-Document Uploaded. Please find the attached trust certification. - Seller-04/16/2025 |
Resolved-Received Certification of Trust. - Due Diligence Vendor-04/17/2025 |
Months Reserves exceed minimum required - o 58 Months reserves; 0 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 777 ; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3864584 | |
| 4000073320 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE9814 | 2025-04-15 10:11 | 2025-04-17 18:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received Trust Cert. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Please find the attached trust certification. - Seller-04/16/2025 Open-Missing Trust agreement to confirm if trust is an inter vivos revocable trust - Due Diligence Vendor-04/15/2025 |
Ready for Review-Document Uploaded. Please find the attached trust certification. - Seller-04/16/2025 |
Resolved-Received Trust Cert. - Due Diligence Vendor-04/17/2025 |
Months Reserves exceed minimum required - o 58 Months reserves; 0 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 777 ; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3866240 | |
| 4000073320 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-04-14 14:48 | 2025-04-14 14:48 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2025 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2025 |
Months Reserves exceed minimum required - o 58 Months reserves; 0 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 777 ; guidelines require 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3858723 | |||
| 4000073330 | XXXX | D | A | D | A | A | A | A | A | Closed | FCOM1351 | 2025-04-17 13:00 | 2025-04-18 14:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Borrowers signed as Individual; finding resolved. - Due Diligence Vendor-04/18/2025 Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty Agreement - Due Diligence Vendor-04/17/2025 |
Resolved-Borrowers signed as Individual; finding resolved. - Due Diligence Vendor-04/18/2025 |
Credit history exceeds minimum required - credit history exceeds minimum required Qualifying FICO score is at least 20 points above minimum for program - FICO 724 is greater than 700 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3891925 | |||
| 4000073330 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2025-04-16 15:56 | 2025-04-18 11:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Housing history was contained in the loan file on pages XXXX. - Due Diligence Vendor-04/18/2025 Ready for Review-VOM for "XXXX" is already included in the closing package. Please waive this condition. - Seller-04/17/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-04/16/2025 |
Ready for Review-VOM for "XXXX" is already included in the closing package. Please waive this condition. - Seller-04/17/2025 |
Resolved-Housing history was contained in the loan file on pages 106-111. - Due Diligence Vendor-04/18/2025 |
Credit history exceeds minimum required - credit history exceeds minimum required Qualifying FICO score is at least 20 points above minimum for program - FICO 724 is greater than 700 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3883145 | ||
| 4000073330 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2025-04-17 13:26 | 2025-04-18 11:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 3 Missing | Resolved-Asset statement provided. - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Please review the XXXXs statement. - Seller-04/17/2025 Open-Asset 3 Missing Missing bank statements for XXXX certificate of deposit account assets used for funds to close and/or reserves - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. Please review the XXXX statement. - Seller-04/17/2025 |
Resolved-Asset statement provided. - Due Diligence Vendor-04/18/2025 |
Credit history exceeds minimum required - credit history exceeds minimum required Qualifying FICO score is at least 20 points above minimum for program - FICO 724 is greater than 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3892260 | |
| 4000073330 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2025-04-17 13:26 | 2025-04-18 11:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 2 Missing | Resolved-Asset statement provided. - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Please review the XXXX statement. - Seller-04/17/2025 Open-Asset 2 Missing Missing bank statements for XXXX certificate of deposit account assets used for funds to close and/or reserves - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. Please review the XXXX statement. - Seller-04/17/2025 |
Resolved-Asset statement provided. - Due Diligence Vendor-04/18/2025 |
Credit history exceeds minimum required - credit history exceeds minimum required Qualifying FICO score is at least 20 points above minimum for program - FICO 724 is greater than 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3892259 | |
| 4000073330 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1510 | 2025-04-15 14:55 | 2025-04-18 07:14 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-The legal description was provided. - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Please review the Exhibit A. - Seller-04/17/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A Missing - Due Diligence Vendor-04/15/2025 |
Ready for Review-Document Uploaded. Please review the Exhibit A. - Seller-04/17/2025 |
Resolved-The legal description was provided. - Due Diligence Vendor-04/18/2025 |
Credit history exceeds minimum required - credit history exceeds minimum required Qualifying FICO score is at least 20 points above minimum for program - FICO 724 is greater than 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3870848 | |
| 4000073341 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE1182 | 2025-04-15 16:38 | 2025-06-30 21:56 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-07/01/2025 Resolved-Received 1008 - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. 1008 - Seller-04/16/2025 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-04/15/2025 |
Ready for Review-Document Uploaded. 1008 - Seller-04/16/2025 |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-07/01/2025 Resolved-Received 1008 - Due Diligence Vendor-04/17/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 708 is higher than 660 minimum required LTV is less than guideline maximum - LTV 40.26% is lower than 80% minimum required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3872482 | |
| 4000073341 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-04-15 16:14 | 2025-06-30 21:56 | 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-07/01/2025 Resolved-Received Gap Report. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. SOFT PULL - Seller-04/16/2025 Open-Borrower 1 Gap Credit Report is Missing -Missing Gap Credit Report - Due Diligence Vendor-04/15/2025 |
Ready for Review-Document Uploaded. SOFT PULL - Seller-04/16/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/01/2025 Resolved-Received Gap Report. - Due Diligence Vendor-04/17/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 708 is higher than 660 minimum required LTV is less than guideline maximum - LTV 40.26% is lower than 80% minimum required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3872131 | |
| 4000073341 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-04-14 15:07 | 2025-04-14 15:07 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 708 is higher than 660 minimum required LTV is less than guideline maximum - LTV 40.26% is lower than 80% minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3859067 | |||
| 4000074265 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE8611 | 2025-04-18 15:42 | 2025-05-02 14:36 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received verification of business phone number. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. Please see public listing - Seller-05/01/2025 Open-Missing verification of business phone number. Per guidelines - Business phone number verification via XXXX Search, XXXXor internet is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. - Due Diligence Vendor-04/18/2025 |
Ready for Review-Document Uploaded. Please see public listing - Seller-05/01/2025 |
Resolved-Received verification of business phone number. - Due Diligence Vendor-05/02/2025 |
LTV is less than guideline maximum - Qualifying LTV 31%; Guideline max 80% Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 797; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3905462 | |
| 4000074265 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE8013 | 2025-04-18 13:38 | 2025-05-02 14:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received addendum - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. Please find attached contract addendum - Seller-05/01/2025 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. B1 is not listed a a buyer on the purchase contract. - Due Diligence Vendor-04/18/2025 |
Ready for Review-Document Uploaded. Please find attached contract addendum - Seller-05/01/2025 |
Resolved-Received addendum - Due Diligence Vendor-05/02/2025 |
LTV is less than guideline maximum - Qualifying LTV 31%; Guideline max 80% Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 797; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3903525 | |
| 4000074265 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-04-18 14:03 | 2025-04-22 17:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Credit Report. - Due Diligence Vendor-06/27/2025 Ready for Review-Document Uploaded. Soft pull attached - Seller-04/18/2025 Open-Borrower 1 Gap Credit Report is Missing File missing GAP report and FRAUD REPORT did not provide UNDISCLOSED DEBT MONITORING. - Due Diligence Vendor-04/18/2025 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-04/18/2025 |
Resolved-Received Gap Credit Report. - Due Diligence Vendor-06/27/2025 |
LTV is less than guideline maximum - Qualifying LTV 31%; Guideline max 80% Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 797; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3903897 | |
| 4000073438 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 4000073433 | XXXX | C | B | C | A | B | B | A | A | Closed | FCRE1507 | 2025-04-17 07:36 | 2025-04-24 09:49 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-REO calc updated for XXXX - taxes were included twice. Revised worksheet uploaded. - Due Diligence Vendor-04/24/2025 Counter-Variance appears to be with REO loss calculation. - Due Diligence Vendor-04/23/2025 Ready for Review-The XXXX and XXXX accounts are both listed on page 2 of the document previously uploaded, and are also included in the calculation formula. - Seller-04/21/2025 Counter-Post 1003 and 1008 provided, however XXXX to XXXX and XXXX was not included. In addition the 1008 reflect XXXX in other REO loss, however the documented amount is XXXX - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. Please find the attached 1003 and 1008. - Seller-04/17/2025 Open-The Originator QM Status is not the same as the Final QM Status. DTI is 51.52 that exceeds the requirement of 49.99%. The Auto loan is on the credit report and Gap report. No source of another maying the payments. Lenders approval and application are not showing the debt. - Due Diligence Vendor-04/17/2025 |
Ready for Review-The XXXX and XXXX accounts are both listed on page 2 of the document previously uploaded, and are also included in the calculation formula. - Seller-04/21/2025 Ready for Review-Document Uploaded. Please find the attached 1003 and 1008. - Seller-04/17/2025 |
Resolved-REO calc updated for XXXX - taxes were included twice. Revised worksheet uploaded. - Due Diligence Vendor-04/24/2025 |
Verified employment history exceeds guidelines - SE for 7 years exceeds the 24 months required. Months Reserves exceed minimum required - 41.21 months of reserves |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3887986 | |
| 4000073433 | XXXX | C | B | C | A | B | B | A | A | Closed | FCRE1193 | 2025-04-17 07:41 | 2025-04-24 09:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-REO calc updated for XXXX - taxes were included twice. Revised worksheet uploaded. - Due Diligence Vendor-04/24/2025 Counter-Variance appears to be with REO loss calculation. - Due Diligence Vendor-04/23/2025 Ready for Review-The XXXX and XXXX accounts are both listed on page 2 of the document previously uploaded, and are also included in the calculation formula. - Seller-04/21/2025 Counter-Post 1003 and 1008 provided, however XXXX to XXXX, XXXX and XXXX was not included. In addition the 1008 reflect XXXX in other REO loss, however the documented amount is XXXX - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. Please find the attached 1003 and 1008. - Seller-04/17/2025 Open-Audited DTI of 51.52% exceeds Guideline DTI of 49.99% DTI is 51.52 that exceeds the requirement of 49.99%. The Auto loan is on the credit report and Gap report. No source of another paying the payments. Lenders approval and application are not showing the debt, but the POST application is reporting. - Due Diligence Vendor-04/17/2025 |
Ready for Review-The XXXX accounts are both listed on page 2 of the document previously uploaded, and are also included in the calculation formula. - Seller-04/21/2025 Ready for Review-Document Uploaded. Please find the attached 1003 and 1008. - Seller-04/17/2025 |
Resolved-REO calc updated for XXXX - taxes were included twice. Revised worksheet uploaded. - Due Diligence Vendor-04/24/2025 |
Verified employment history exceeds guidelines - SE for 7 years exceeds the 24 months required. Months Reserves exceed minimum required - 41.21 months of reserves |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3888010 | |
| 4000073433 | XXXX | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-04-15 16:09 | 2025-04-15 16:09 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/15/2025 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/15/2025 |
Verified employment history exceeds guidelines - SE for 7 years exceeds the 24 months required. Months Reserves exceed minimum required - 41.21 months of reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3872076 | |||
| 4000073441 | XXXX | C | A | C | A | A | A | A | A | Closed | FCOM1221 | 2025-04-17 14:24 | 2025-05-07 16:51 | Resolved | 1 - Information | C | A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received DOT w/Legal. - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. Please review the recorded copy of DOT. - Seller-05/05/2025 Open-The Deed of Trust is Incomplete Missing Legal Description. EXH A IS A COPY FROM TITLE AND SAYS PRELIM TITLE AT BOTTOM OF PAGE. - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. Please review the recorded copy of DOT. - Seller-05/05/2025 |
Resolved-Received DOT w/Legal. - Due Diligence Vendor-05/07/2025 |
Months Reserves exceed minimum required - o 68 Months reserves; 9 months reserves required Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 721 ; guidelines require 660 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3893246 | |
| 4000075596 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2025-04-16 09:07 | 2025-04-21 16:03 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Upon further review, the tax preparer states the nature of the business does not require a phone number listing. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. The nature of the biz does not require a public phone listing. Please waive this condition. - Seller-04/17/2025 Open-Missing business internet search - Due Diligence Vendor-04/16/2025 |
Ready for Review-Document Uploaded. The nature of the biz does not require a public phone listing. Please waive this condition. - Seller-04/17/2025 |
Resolved-Upon further review, the tax preparer states the nature of the business does not require a phone number listing. - Due Diligence Vendor-04/21/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 744 is higher than 700 minimum score required Qualifying DTI below maximum allowed - DTI 37.36% is lower than the 49.99% max allowed |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3876819 | |
| 4000073440 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE5782 | 2025-04-20 14:44 | 2025-04-22 17:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. Soft pull attached - Seller-04/21/2025 Open-Borrower 1 Gap Credit Report is Missing File missing GAP report and FRAUD REPORT did not provide UNDISCLOSED DEBT MONITORING - Due Diligence Vendor-04/20/2025 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-04/21/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-04/22/2025 |
Qualifying DTI below maximum allowed - DTI is < 20% with min allowed to 49.99% Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 792 ; guidelines require 700 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3910489 | |
| 4000073440 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE1152 | 2025-04-20 13:10 | 2025-04-22 17:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Rate. - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. Please see TAX CERT - Seller-04/21/2025 Open-Missing Evidence of Property Tax TAX INFO SHEET OR TAX CERT NOT AVAILABLE TO CONFIRM TAX RATE - Due Diligence Vendor-04/20/2025 |
Ready for Review-Document Uploaded. Please see TAX CERT - Seller-04/21/2025 |
Resolved-Received Tax Rate. - Due Diligence Vendor-04/22/2025 |
Qualifying DTI below maximum allowed - DTI is < 20% with min allowed to 49.99% Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 792 ; guidelines require 700 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3910379 | |
| 4000073440 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE1194 | 2025-04-21 11:37 | 2025-04-21 15:35 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator granted an exception, wavier applied with comp factors. - Due Diligence Vendor-06/27/2025 Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max LTV at XXXX loan amount is 75%. - Due Diligence Vendor-04/21/2025 |
Waived-Originator granted an exception, wavier applied with comp factors. - Due Diligence Vendor-06/27/2025 |
Qualifying DTI below maximum allowed - DTI is < 20% with min allowed to 49.99% Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 792 ; guidelines require 700 |
16.61% DTI 792 fico |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3915060 | |
| 4000074271 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 4000073344 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-04-18 10:56 | 2025-04-22 17:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/22/2025 Ready for Review-It is already included in the closing package. Can you please waive this condition? - Seller-04/21/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/18/2025 |
Ready for Review-It is already included in the closing package. Can you please waive this condition? - Seller-04/21/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-04/22/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 737 is lower than 660 minimum required LTV is less than guideline maximum - LTV 70% is less than 80% max allowed |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3901217 | ||
| 4000073344 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-04-15 17:43 | 2025-04-15 17:43 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/15/2025 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/15/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 737 is lower than 660 minimum required LTV is less than guideline maximum - LTV 70% is less than 80% max allowed |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3873323 | |||
| 4000073336 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-04-15 11:30 | 2025-04-15 11:30 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-04/15/2025 | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-04/15/2025 |
Months Reserves exceed minimum required - o 47 Months reserves; 4 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 749 ; guidelines require 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3867658 | |||
| 4000075935 | XXXX | D | A | D | A | D | A | A | A | Closed | FCRE1193 | 2025-04-21 15:24 | 2025-04-28 09:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Income based off the P & L provided is XXXX. - Due Diligence Vendor-04/28/2025 Counter-Income calculation is 1 year P&L = XXXX. Review used the Borrower stated monthly income of XXXX. REO - PITIA XXXX with no rental income. - Due Diligence Vendor-04/25/2025 Ready for Review-Could you please provide the income calculation as well? - Seller-04/23/2025 Counter-$10,000.00 total income, XXXX subjects PITIA, XXXX other REO loss and XXXX in consumer debt. - Due Diligence Vendor-04/23/2025 Ready for Review-Could you please help to provide your calculation? - Seller-04/21/2025 Open-Audited DTI of 59.52% exceeds Guideline DTI of 49.99% Audit income is less than lenders income. - Due Diligence Vendor-04/21/2025 |
Ready for Review-Could you please provide the income calculation as well? - Seller-04/23/2025 Ready for Review-Could you please help to provide your calculation? - Seller-04/21/2025 |
Resolved-Income based off the P & L provided is XXXX. - Due Diligence Vendor-04/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 76i FICO score is 20+ points above 660 minimum Credit history exceeds minimum required - Credit history exceeds 36 mo's with 0x30 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3918680 | ||
| 4000075935 | XXXX | D | A | D | A | D | A | A | A | Closed | FCRE1507 | 2025-04-21 15:27 | 2025-04-28 09:29 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-DTI finding resolved. - Due Diligence Vendor-04/28/2025 Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-04/21/2025 |
Resolved-DTI finding resolved. - Due Diligence Vendor-04/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 76i FICO score is 20+ points above 660 minimum Credit history exceeds minimum required - Credit history exceeds 36 mo's with 0x30 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3918737 | |||
| 4000075935 | XXXX | D | A | D | A | D | A | A | A | Closed | FCRE1506 | 2025-04-21 15:27 | 2025-04-28 09:28 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/28/2025 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds 50% - Due Diligence Vendor-04/21/2025 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 76i FICO score is 20+ points above 660 minimum Credit history exceeds minimum required - Credit history exceeds 36 mo's with 0x30 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3918736 | |||
| 4000075935 | XXXX | D | A | D | A | D | A | A | A | Closed | FCOM5135 | 2025-04-17 09:56 | 2025-04-24 09:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Rec'd Additional Details for Services You Can Shop For showing XXXX (Title Company) is not an affiliate. Title Fees in Section B are payable to XXXX or Title Company. Finding Resolved. - Due Diligence Vendor-04/24/2025 Counter-----Received SPL with N for affiliates, this pertains to some of the title fees but not all. Title - Closing Protection Letter, Title Examination Fee, and Title - Lenders Title Insurance are paid to Vendors not included on the SPL. Provide Affiliated Business Disclosure, attestation to no affliates or updated SPL with Vendors paid on final CD. - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. please see WSSPL - Seller-04/21/2025 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. please see WSSPL - Seller-04/21/2025 |
Resolved-Rec'd Additional Details for Services You Can Shop For showing XXXX (Title Company) is not an affiliate. Title Fees in Section B are payable to XXXX or Title Company. Finding Resolved. - Due Diligence Vendor-04/24/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 76i FICO score is 20+ points above 660 minimum Credit history exceeds minimum required - Credit history exceeds 36 mo's with 0x30 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3889239 | |
| 4000075935 | XXXX | D | A | D | A | D | A | A | A | Closed | FCRE8013 | 2025-04-20 21:26 | 2025-04-23 17:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Addendum. - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. please see addendum - Seller-04/21/2025 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing addendum with purchase price of XXXX - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. please see addendum - Seller-04/21/2025 |
Resolved-Received Addendum. - Due Diligence Vendor-04/23/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 76i FICO score is 20+ points above 660 minimum Credit history exceeds minimum required - Credit history exceeds 36 mo's with 0x30 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3910995 | |
| 4000075935 | XXXX | D | A | D | A | D | A | A | A | Closed | FCRE1252 | 2025-04-20 21:15 | 2025-04-23 17:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received commitment w/sufficient coverage. - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. please see title commitment - Seller-04/21/2025 Open-Title Document is Incomplete Missing title supplement with insured loan amount - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. please see title commitment - Seller-04/21/2025 |
Resolved-Received commitment w/sufficient coverage. - Due Diligence Vendor-04/23/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 76i FICO score is 20+ points above 660 minimum Credit history exceeds minimum required - Credit history exceeds 36 mo's with 0x30 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3910982 | |
| 4000070287 | XXXX | C | A | C | A | C | A | A | A | Closed | finding-3652 | 2025-05-01 08:14 | 2025-05-06 08:29 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC XXXX, rate locked. Finding resolved. - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. COC came in on XXXX loan was locked, credit removed, discount points added. Was disclosed on the XXXX COC LE. Attached. - Seller-05/05/2025 Open------NEW-----Lender credit decreased from XXXX to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. COC came in on XXXX loan was locked, credit removed, discount points added. Was disclosed on the XXXX COC LE. Attached. - Seller-05/05/2025 |
Resolved-Received COC XXXX, rate locked. Finding resolved. - Due Diligence Vendor-05/06/2025 |
Qualifying DTI below maximum allowed - DTI 35% max 55%. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 764, minimum score 660. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4013285 | |
| 4000070287 | XXXX | C | A | C | A | C | A | A | A | Closed | FCRE1510 | 2025-04-18 07:13 | 2025-05-01 08:15 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing exhibit A Legal - Due Diligence Vendor-04/18/2025 |
Ready for Review-Document Uploaded. - Seller-04/30/2025 |
Resolved-Upon further review, finding resolved. - Due Diligence Vendor-05/01/2025 |
Qualifying DTI below maximum allowed - DTI 35% max 55%. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 764, minimum score 660. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3898689 | |
| 4000070287 | XXXX | C | A | C | A | C | A | A | A | Closed | FCOM9175 | 2025-04-17 10:14 | 2025-05-01 08:15 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-Received CD XXXX. Finding resolved. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 Open-Missing initial Closing Disclosure 3 days prior to closing date of XXXX. Additional findings may apply upon receipt. - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. - Seller-04/30/2025 |
Resolved-Received CD XXXX. Finding resolved. - Due Diligence Vendor-05/01/2025 |
Qualifying DTI below maximum allowed - DTI 35% max 55%. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 764, minimum score 660. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3889449 | |
| 4000071372 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-04-17 13:51 | 2025-04-17 13:53 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-04/17/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-04/17/2025 |
LTV is less than guideline maximum - Guidelines allow LTV to 85%. Subject loan LTV is 75%. Qualifying FICO score is at least 20 points above minimum for program - FICO 716 is higher than the 660 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3892583 | |||
| 4000071382 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 4000075335 | XXXX | D | B | D | A | C | B | A | A | Closed | FCRE5782 | 2025-04-25 14:09 | 2025-04-30 16:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Soft pull attached - Seller-04/29/2025 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Rep - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-04/29/2025 |
Resolved-Received Gap report. - Due Diligence Vendor-04/30/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 739 Qualifying FICO is higher than the 660 minimum required Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Vail (+10k) |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3966252 | |
| 4000075335 | XXXX | D | B | D | A | C | B | A | A | Closed | finding-47 | 2025-04-23 10:42 | 2025-04-29 13:20 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Rec'd PCCD. Finding Resolved. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Please see PCCD - Seller-04/29/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. Please see PCCD - Seller-04/29/2025 |
Resolved-Rec'd PCCD. Finding Resolved. - Due Diligence Vendor-04/29/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 739 Qualifying FICO is higher than the 660 minimum required Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Vail (+10k) |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3937553 | |
| 4000075335 | XXXX | D | B | D | A | C | B | A | A | Closed | FCOM1267 | 2025-04-23 10:21 | 2025-04-23 10:21 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) -----Homeownership counseling disclosure provided is missing list of 10 organizations, however, the XXXX web link is provided therefore Finding is deemed non-material. - Client waiver applied to non-material Findings. - Due Diligence Vendor-04/23/2025 | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) -----Homeownership counseling disclosure provided is missing list of 10 organizations, however, the XXXX web link is provided therefore Finding is deemed non-material. - Client waiver applied to non-material Findings. - Due Diligence Vendor-04/23/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 739 Qualifying FICO is higher than the 660 minimum required Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Vail (+10k) |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3937241 | |||
| 4000075335 | XXXX | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2025-04-23 10:21 | 2025-04-23 10:21 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/23/2025 | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/23/2025 |
Qualifying FICO score is at least 20 points above minimum for program - 739 Qualifying FICO is higher than the 660 minimum required Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Vail (+10k) |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3937242 | |||
| 4000073444 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2025-04-25 18:44 | 2025-05-02 08:57 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD-sufficient funds for closing verified. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. Please find the attached Post CD. - Seller-04/30/2025 Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Gift funds provided. However; borrower short to close by XXXX based on Final CD issued XXXX - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Please find the attached Post CD. - Seller-04/30/2025 |
Resolved-Received PCCD-sufficient funds for closing verified. - Due Diligence Vendor-05/02/2025 |
LTV is less than guideline maximum - Qualifying LTV 60%; Guideline max 80% Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 808 ; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3969748 | |
| 4000073065 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-04-24 16:07 | 2025-05-02 09:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report received dated day of funding. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. This loan is in XXXX, Dry funding state, and the actual closing date is XXXX Unlike the wet states, the actual closing incurs when we fund, which is mostly after the note date. The whole point of LQI is to monitor there's no debt or liabilities were added at the time of closing, and XXXX was the funding date, and refresh report pulled XXXX is even better than the one dated XXXX. Kindly review and advise. - Seller-05/01/2025 Counter-Gap report provided is not dated within 10 days. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Please find the attached - Seller-04/27/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. This loan is in XXXX, Dry funding state, and the actual closing date is XXXX. Unlike the wet states, the actual closing incurs when we fund, which is mostly after the note date. The whole point of XXXX is to monitor there's no debt or liabilities were added at the time of closing, and XXXX was the funding date, and refresh report pulled XXXX is even better than the one dated XXXX. Kindly review and advise. - Seller-05/01/2025 Ready for Review-Document Uploaded. Please find the attached - Seller-04/27/2025 |
Resolved-Borrower 1 Gap Credit Report received dated day of funding. - Due Diligence Vendor-05/02/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 756 is higher than the 660 minimum required LTV is less than guideline maximum - LTV 24.62% is lower than the 75% max allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3956041 | |
| 4000075937 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE8611 | 2025-04-28 17:15 | 2025-05-12 16:20 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received internet validation of employer phone number. - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. Please re-review. Both the internet search and Post 1003 show the same number: XXXX. Kindly see pages 1 and 2 of the uploaded condition document for reference. - Seller-05/09/2025 Counter-Internet search provided, however the phone number does not match the number on the application. Finding remains. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. Please review the updated post 1003 and google search - Seller-05/07/2025 Counter-Secretary of State provided. Guidelines require - Business phone number verification via XXXX Search, XXXX or internet is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. Please review the document. - Seller-05/04/2025 Open-Missing verification of business phone number via XXXX Search, XXXX or internet - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Please re-review. Both the internet search and Post 1003 show the same number: XXXX. Kindly see pages 1 and 2 of the uploaded condition document for reference. - Seller-05/09/2025 Ready for Review-Document Uploaded. Please review the updated post 1003 and XXXX search - Seller-05/07/2025 Ready for Review-Document Uploaded. Please review the document. - Seller-05/04/2025 |
Resolved-Received internet validation of employer phone number. - Due Diligence Vendor-05/12/2025 |
LTV is less than guideline maximum - Max LTV 80% / Subject LTV 75% Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 758 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3985503 | |
| 4000075937 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-04-28 15:00 | 2025-05-01 17:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation no HOAs - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. Please reconsider the condition. Since the properties are either SFRs or multi-units, so there are no HOA fees applicable. - Seller-04/30/2025 Open-Confirm No HOA on 3A, 3B, 3C - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Please reconsider the condition. Since the properties are either SFRs or multi-units, so there are no HOA fees applicable. - Seller-04/30/2025 |
Resolved-Received confirmation no HOAs - Due Diligence Vendor-05/01/2025 |
LTV is less than guideline maximum - Max LTV 80% / Subject LTV 75% Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 758 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3983651 | |
| 4000075941 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE1252 | 2025-05-07 14:42 | 2025-05-16 15:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received final title confirming coverage. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. File has been uploaded. Thank you. - Seller-05/15/2025 Open-Title Document is Incomplete Missing title supplement for insured loan amount along with vesting. - Due Diligence Vendor-05/08/2025 |
Ready for Review-Document Uploaded. File has been uploaded. Thank you. - Seller-05/15/2025 |
Resolved-Received final title confirming coverage. - Due Diligence Vendor-05/16/2025 |
Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 12 months. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 751; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4073150 | |
| 4000075941 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-05-06 08:19 | 2025-05-06 08:19 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2025 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2025 |
Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 12 months. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 751; guidelines require 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4053982 | |||
| 4000075934 | XXXX | D | B | D | A | B | B | C | A | Closed | FCRE8525 | 2025-04-28 18:40 | 2025-06-27 14:34 | Resolved | 1 - Information | C | A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Received 2 full appraisals. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. Please find the attached. - Seller-04/30/2025 Open-Two or more full valuation products were not provided.' ▪ Two appraisals required for all loans > XXXX- 2ND appraisal not in file. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Please find the attached. - Seller-04/30/2025 |
Resolved-Received 2 full appraisals. - Due Diligence Vendor-05/01/2025 |
Months Reserves exceed minimum required - o 17 Months reserves; 4 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 743 ; guidelines require 720 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3986240 | |
| 4000075934 | XXXX | D | B | D | A | B | B | C | A | Closed | FCRE1510 | 2025-04-25 09:16 | 2025-05-06 16:40 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. Please find the attached. - Seller-05/05/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A attached to Mortgage. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Please find the attached. - Seller-05/05/2025 |
Resolved-Received Legal - Due Diligence Vendor-05/06/2025 |
Months Reserves exceed minimum required - o 17 Months reserves; 4 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 743 ; guidelines require 720 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3961757 | |
| 4000075934 | XXXX | D | B | D | A | B | B | C | A | Closed | FCRE7009 | 2025-04-28 18:45 | 2025-05-01 17:07 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-This condition is resolved or not applicable. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. RCE attached. - Seller-04/30/2025 Open-Insufficient Coverage Amount for Insured Subject Property. Missing sufficent HOI Coverage for loan amount or replacement cost. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. RCE attached. - Seller-04/30/2025 |
Resolved-This condition is resolved or not applicable. - Due Diligence Vendor-05/01/2025 |
Months Reserves exceed minimum required - o 17 Months reserves; 4 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 743 ; guidelines require 720 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3986287 | |
| 4000075934 | XXXX | D | B | D | A | B | B | C | A | Closed | FCRE7497 | 2025-04-28 19:45 | 2025-05-01 17:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. The property is a SFR. No HOA exists. - Seller-04/30/2025 Open-MISSING HOA FOR REO XXXX. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. The property is a SFR. No HOA exists. - Seller-04/30/2025 |
Resolved-Received HOA verification. - Due Diligence Vendor-05/01/2025 |
Months Reserves exceed minimum required - o 17 Months reserves; 4 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 743 ; guidelines require 720 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3986691 | |
| 4000075934 | XXXX | D | B | D | A | B | B | C | A | Closed | FCOM5135 | 2025-04-25 09:57 | 2025-04-25 09:57 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/25/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/25/2025 |
Months Reserves exceed minimum required - o 17 Months reserves; 4 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 743 ; guidelines require 720 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3962283 | |||
| 4000074701 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2025-04-29 06:31 | 2025-05-08 15:38 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received validation of business phone number. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. Please review the XXXX search to verify the business phone number. - Seller-05/07/2025 Open-Missing verification of business phone number. Per guidelines Business phone number verification via XXXX Search, XXXX or internet is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. Please review the google search to verify the business phone number. - Seller-05/07/2025 |
Resolved-Received validation of business phone number. - Due Diligence Vendor-05/08/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 751 is higher than 660 minimum Qualifying DTI below maximum allowed - DTI 38.04% is lower than 49.99% max allowed DTI |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3989616 | |
| 4000072131 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2025-04-28 08:57 | 2025-04-29 15:47 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received validation of XXXX. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. - Seller-04/28/2025 Open-Income and Employment Do Not Meet Guidelines Verification of XXXX is MISSING from file - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. - Seller-04/28/2025 |
Resolved-Received validation of XXXX. - Due Diligence Vendor-04/29/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO = 823 Min FICO = 660 On time mortgage history exceeds guideline requirement - On Time Mortgage History = 99 Months Required = 12 months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3977563 | |
| 4000074295 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-04-29 08:49 | 2025-04-30 17:05 | 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-04/30/2025 Ready for Review-Document Uploaded. Soft pull attached - Seller-04/29/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-04/29/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2025 |
Qualifying DTI below maximum allowed - Max DTI 49.99% / Borrower DTI 34.32% Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 790 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3990631 | |
| 4000074295 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-04-28 08:04 | 2025-04-28 08:04 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/28/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/28/2025 |
Qualifying DTI below maximum allowed - Max DTI 49.99% / Borrower DTI 34.32% Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 790 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3977047 | |||
| 4000075932 | XXXX | D | A | C | A | A | A | D | A | Closed | FCRE1254 | 2025-04-29 14:11 | 2025-05-06 16:33 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received Final Title. - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. Please find the attached Final title policy for evidence. - Seller-05/05/2025 Counter-Title must provide confirmation XXXX released. Finding remains - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 Open-Property Title Issue TITLE PG XXX DOCUMENT A XXXX. TERMS OF SOLAR TRANSFER PG XXX NOT IN FILE TO CONFIRM ELGIBILITY. - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. Please find the attached Final title policy for evidence. - Seller-05/05/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 |
Resolved-Received Final Title. - Due Diligence Vendor-05/06/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 773 ; guidelines require 660 Months Reserves exceed minimum required - o 8.55 Months reserves; 4 months reserves required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3995689 | |
| 4000075932 | XXXX | D | A | C | A | A | A | D | A | Closed | FPRO1253 | 2025-04-29 15:56 | 2025-05-01 17:13 | Resolved | 1 - Information | D | A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received desk review. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. Desk review - Seller-04/30/2025 Open-Missing desk review per guidelines - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. Desk review - Seller-04/30/2025 |
Resolved-Received desk review. - Due Diligence Vendor-05/01/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 773 ; guidelines require 660 Months Reserves exceed minimum required - o 8.55 Months reserves; 4 months reserves required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3997687 | |
| 4000074289 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 4000075343 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| 4000074291 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-04-29 22:59 | 2025-05-05 16:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. Soft pull attached - Seller-05/02/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-05/02/2025 |
Resolved-Received gap report. - Due Diligence Vendor-05/05/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 803 higher than 660 minimum required | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3999573 | |
| 4000074291 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-04-28 15:15 | 2025-04-28 15:32 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-04/28/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-04/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 803 higher than 660 minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3983871 | |||
| 4000074690 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2025-05-05 11:35 | 2025-05-09 17:20 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received credit refresh - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. Can you see if you can clear the Refresh condition? This loan is in XXXX, Dry funding state, and the actual closing date is XXXX. Unlike the wet states, the actual closing incurs when we fund, which is mostly after the note date. The whole point of XXXX is to monitor there's no debt or liabilities were added, and refresh report pulled recent is even better than the one dated XXXX. Kindly review and advise. - Seller-05/08/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap in file expired. - Due Diligence Vendor-05/05/2025 |
Ready for Review-Document Uploaded. Can you see if you can clear the Refresh condition? This loan is in XXXX, Dry funding state, and the actual closing date is XXXX. Unlike the wet states, the actual closing incurs when we fund, which is mostly after the note date. The whole point of XXXX is to monitor there's no debt or liabilities were added, and refresh report pulled recent is even better than the one dated XXXX. Kindly review and advise. - Seller-05/08/2025 |
Resolved-Received credit refresh - Due Diligence Vendor-05/09/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Min 660, actual 774 Qualifying DTI below maximum allowed - Max 49.99%, actual 40.38% |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4043966 | |
| 4000074297 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-04-29 11:14 | 2025-04-29 11:14 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/29/2025 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/29/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 800 is higher than the 660 minimum required Months Reserves exceed minimum required - Reserves 6.93 is higher than the 0 months required |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3992569 | |||
| 4000074703 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 4000071102 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2025-04-29 09:01 | 2025-05-05 08:58 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Corrected mortgage received with letter of intent to re-record. - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. - Seller-05/02/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Deed of Trust has "XXXX" County - however, per Legal Description and Appraisal it should be "XXXX" County - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-05/02/2025 |
Resolved-Corrected mortgage received with letter of intent to re-record. - Due Diligence Vendor-05/05/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO = 791 Min FICO = 740 Months Reserves exceed minimum required - Reserves = 168 months – Required Reserves = 3 Months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3990732 | |
| 4000075340 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| 4000075350 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE0044 | 2025-05-06 14:59 | 2025-05-08 16:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry letter. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. Please see LOE - Seller-05/07/2025 Open-LOX for credit inquiries is missing. *New* Please provide an LOE for the inquiry on XXXX with XXXX - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. Please see LOE - Seller-05/07/2025 |
Resolved-Received credit inquiry letter. - Due Diligence Vendor-05/08/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 756 Months Reserves exceed minimum required - 18.99 mths reserves; 0 mths required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4060700 | |
| 4000075350 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-02 07:32 | 2025-05-06 14:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. Soft pull attached - Seller-05/02/2025 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Cred Rep - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-05/02/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-05/06/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 756 Months Reserves exceed minimum required - 18.99 mths reserves; 0 mths required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4025406 | |
| 4000076324 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 4000074286 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 4000071402 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| 4000073347 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| 4000075351 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-02 01:03 | 2025-05-06 15:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. Soft pull attached - Seller-05/02/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-05/02/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-05/06/2025 |
Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 790 ; guidelines require 680 Months Reserves exceed minimum required - • Qualifying Assets calculated at 45 Months of reserves; 6 months reserves required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4023292 | |
| 4000074704 | XXXX | 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 | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 4000074714 | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 4000072985 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| 4000073445 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2025-05-06 11:26 | 2025-05-12 16:27 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-05/12/2025 Ready for Review-The Gap Credit Report was requested on XXXX. Please refer to the highlighted section on the last page of the attached Gap Credit Report. - Seller-05/08/2025 Counter-GAP report is date ordered-please provide updated report. Original finding remains. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. Please refer to the last page of the attached gap credit report. The date is XXXX. - Seller-05/07/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Cred Gap Exp - Due Diligence Vendor-05/06/2025 |
Ready for Review-The Gap Credit Report was requested on XXXX. Please refer to the highlighted section on the last page of the attached Gap Credit Report. - Seller-05/08/2025 Ready for Review-Document Uploaded. Please refer to the last page of the attached gap credit report. The date is XXXX. - Seller-05/07/2025 |
Resolved-Received Gap Report. - Due Diligence Vendor-05/12/2025 |
Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 718; guidelines require 660 Qualifying DTI below maximum allowed - • Qualifying DTI <20%; max allowable 49.99 (NMSI)(NON-DSCR) |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4056861 | |
| 4000073445 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1278 | 2025-05-06 13:09 | 2025-05-12 16:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Escrow waiver guidelines were not met | Resolved-Upon further review, subject is a primary, escrow restrictions are N/A. - Due Diligence Vendor-05/12/2025 Ready for Review-According to the XXXX guideline, this applies only to investment properties. Since this loan is owner-occupied, it is not applicable. Please refer to the attached XXXX guideline. - Seller-05/08/2025 Counter-Documentation is insufficient-original finding remains. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. This loan is owner-occupied and therefore not applicable. Please refer to the attached XXXX Guideline. - Seller-05/07/2025 Open-FICO LESS THAN 720- MUST BE ESCROWED PER GUIDELINE. - Due Diligence Vendor-05/06/2025 |
Ready for Review-According to the RED guideline, this applies only to investment properties. Since this loan is owner-occupied, it is not applicable. Please refer to the attached RED guideline. - Seller-05/08/2025 Ready for Review-Document Uploaded. This loan is owner-occupied and therefore not applicable. Please refer to the attached RED Guideline. - Seller-05/07/2025 |
Resolved-Upon further review, subject is a primary, escrow restrictions are N/A. - Due Diligence Vendor-05/12/2025 |
Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 718; guidelines require 660 Qualifying DTI below maximum allowed - • Qualifying DTI <20%; max allowable 49.99 (NMSI)(NON-DSCR) |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4058760 | |
| 4000073445 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2025-05-05 15:59 | 2025-05-08 16:19 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. Please find the attached DOT EXHIBIT A Legal Description. - Seller-05/07/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Exhibit "A" Legal Description. - Due Diligence Vendor-05/05/2025 |
Ready for Review-Document Uploaded. Please find the attached DOT EXHIBIT A Legal Description. - Seller-05/07/2025 |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/08/2025 |
Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 718; guidelines require 660 Qualifying DTI below maximum allowed - • Qualifying DTI <20%; max allowable 49.99 (NMSI)(NON-DSCR) |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4048507 | |
| 4000076618 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-05-09 22:55 | 2025-05-16 15:41 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Upon further review, received prior policy with an effective date of XXXX. - Due Diligence Vendor-05/16/2025 Ready for Review-Kindly clarify why the uploaded insurance is considered insufficient, as the effective date is XXXX. - Seller-05/14/2025 Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. Please find the attached Hazard Insurance. - Seller-05/12/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-05/12/2025 |
Ready for Review-Kindly clarify why the uploaded insurance is considered insufficient, as the effective date is XXXX. - Seller-05/14/2025 Ready for Review-Document Uploaded. Please find the attached Hazard Insurance. - Seller-05/12/2025 |
Resolved-Upon further review, received prior policy with an effective date of XXXX. - Due Diligence Vendor-05/16/2025 |
Months Reserves exceed minimum required - Reserves 185.89 are higher than minimum required 6 Qualifying FICO score is at least 20 points above minimum for program - 771 FICO higher than 660 minimum required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4103178 | |
| 4000076618 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0082 | 2025-05-10 12:45 | 2025-05-14 17:14 | Resolved | 1 - Information | C | A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Deed - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. Please find the attached Grant Deed. - Seller-05/12/2025 Open-Vested Owner Signature Requirement Not met. Missing - vesting documents - Lender must provide - Grant Deed - showing XXXX granted the property to Applicant XXXX - Due Diligence Vendor-05/10/2025 |
Ready for Review-Document Uploaded. Please find the attached Grant Deed. - Seller-05/12/2025 |
Resolved-Received Deed - Due Diligence Vendor-05/14/2025 |
Months Reserves exceed minimum required - Reserves 185.89 are higher than minimum required 6 Qualifying FICO score is at least 20 points above minimum for program - 771 FICO higher than 660 minimum required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4105812 | |
| 4000074710 | XXXX | C | B | C | A | B | B | A | A | Closed | FCRE1440 | 2025-05-07 10:26 | 2025-05-14 10:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, FTHB's do not require a rent history. - Due Diligence Vendor-05/14/2025 Counter-Documentation received is insufficient-Housing History Does Not Meet Guideline Requirements First time home buyer rental history required. - Due Diligence Vendor-05/13/2025 Ready for Review-There's no exception required. It follows the guideline. Please review the guideline again. Please review XXXX file. This one had the same condition and cleared with the same guideline. - Seller-05/11/2025 Counter-Please provide an originator approved exception. - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. Please waive this condition. - Seller-05/08/2025 Open-Housing History Does Not Meet Guideline Requirements First time home buyer rental history required. - Due Diligence Vendor-05/07/2025 |
Ready for Review-There's no exception required. It follows the guideline. Please review the guideline again. Please review XXXX file. This one had the same condition and cleared with the same guideline. - Seller-05/11/2025 Ready for Review-Document Uploaded. Please waive this condition. - Seller-05/08/2025 |
Resolved-After further review, FTHB's do not require a rent history. - Due Diligence Vendor-05/14/2025 |
Months Reserves exceed minimum required - • Qualifying Assets calculated at 8 Months of reserves; 4 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 806; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4068828 | |
| 4000074710 | XXXX | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-05-06 10:32 | 2025-05-06 10:32 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2025 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2025 |
Months Reserves exceed minimum required - • Qualifying Assets calculated at 8 Months of reserves; 4 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 806; guidelines require 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4055677 | |||
| 4000075910 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE9163 | 2025-05-08 11:45 | 2025-05-09 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Received confirmation both liabilities paid in full. - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. TD shows paid in full on the credit refresh report Capital One was paid off at closing - Seller-05/08/2025 Open-Provide updated credit report the following debts are paid in full only have a bank Statement as of XXXX XXXX acct XXXX that shows XXXX debts paid in full. - Due Diligence Vendor-05/08/2025 |
Ready for Review-Document Uploaded. XXXX shows paid in full on the credit refresh report XXXX was paid off at closing - Seller-05/08/2025 |
Resolved-Received confirmation both liabilities paid in full. - Due Diligence Vendor-05/09/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 794 is higher than the required 680 LTV is less than guideline maximum - LTV 77.78% is lower than maximum 85% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4082586 | |
| 4000075910 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2025-05-08 11:37 | 2025-05-08 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-05/08/2025 Open-Borrower 1 Business Bank Statements Missing Missing 11 months of bank statements only true statement XXXX from acct XXXX and income started onXXXX need to support the breakdown and deposits and based on lenders income approval worksheet. - Due Diligence Vendor-05/08/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-05/08/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 794 is higher than the required 680 LTV is less than guideline maximum - LTV 77.78% is lower than maximum 85% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4082490 | |||
| 4000076327 | XXXX | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-05-08 07:38 | 2025-05-08 08:13 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2025 | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2025 |
Qualifying DTI below maximum allowed - The calculated DTI is 38.05%, guideline maximum is 49.99%. Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 783, guideline minimum required is 660. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4079314 | |||
| 4000074363 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| 4000076016 | XXXX | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2025-05-08 16:20 | 2025-05-14 09:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Rec'd Final 1003. Finding Resolved. - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. signed 1003 - Seller-05/13/2025 Open-The Final 1003 is Missing Provide Final signed 1003 - Due Diligence Vendor-05/08/2025 |
Ready for Review-Document Uploaded. signed 1003 - Seller-05/13/2025 |
Resolved-Rec'd Final 1003. Finding Resolved. - Due Diligence Vendor-05/14/2025 |
Qualifying DTI below maximum allowed - DTI 18.26% is lower than allowable 43% LTV is less than guideline maximum - LTV 70% is lower than maximum 80% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4086942 | |
| 4000076018 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2025-05-13 11:34 | 2025-05-14 13:53 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted loan amount XXXX, wavier applied with comp factors - Due Diligence Vendor-06/27/2025 Ready for Review-Document Uploaded. loan amount exception - Seller-05/13/2025 Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Loan amount is less than the minimum of XXXX - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. loan amount exception - Seller-05/13/2025 |
Waived-Originator exception granted loan amount XXXX, wavier applied with comp factors - Due Diligence Vendor-06/27/2025 |
Qualifying DTI below maximum allowed - DTI 32.83% is lower than allowable 50% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 754 is higher than the required 660 |
DTI: 33%<50% maximum allowed; FICO: 754>660 minimum required. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4127647 |
| 4000076018 | XXXX | D | B | D | B | A | A | A | A | Closed | FCRE1325 | 2025-05-13 12:09 | 2025-05-14 13:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received validation of CPA. - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. cpa verified - Seller-05/13/2025 Open-Borrower 1 CPA Letter Missing Missing verification of the CPA. - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. cpa verified - Seller-05/13/2025 |
Resolved-Received validation of CPA. - Due Diligence Vendor-05/14/2025 |
Qualifying DTI below maximum allowed - DTI 32.83% is lower than allowable 50% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 754 is higher than the required 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4128359 | |
| 4000073644 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| 4000076787 | XXXX | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-05-14 05:40 | 2025-05-16 15:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. Soft pull attached - Seller-05/15/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-05/15/2025 |
Resolved-Received gap report. - Due Diligence Vendor-05/16/2025 |
Months Reserves exceed minimum required - • Qualifying Assets calculated at 17 Months of reserves; 0 months reserves required Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 741; guidelines require 700 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4135570 | |
| 4000076787 | XXXX | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-05-13 07:34 | 2025-05-13 07:40 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2025 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2025 |
Months Reserves exceed minimum required - • Qualifying Assets calculated at 17 Months of reserves; 0 months reserves required Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 741; guidelines require 700 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4124300 | |||
| 4000073641 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| 4000075309 | XXXX | D | A | A | A | A | A | D | A | Closed | FPRO1253 | 2025-05-16 14:18 | 2025-05-23 14:45 | Resolved | 1 - Information | D | A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. - Seller-05/21/2025 Open-Additional valuation product has not been provided. Missing desk review to support appraised value, version provided does not match appraised value. - Due Diligence Vendor-05/16/2025 |
Ready for Review-Document Uploaded. - Seller-05/21/2025 |
Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-05/23/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 765; minimum score 720 On time mortgage history exceeds guideline requirement - 0x30x60 on time mortgage pay history. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4166764 | |
| 4000075278 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2025-05-21 09:29 | 2025-05-22 13:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received required prepayment disclosure. - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Seller-05/21/2025 Open-File is missing: XXXX - terms of the offer of a loan product with a PPP must be provided clearly and conspicuously in writing and include the following disclosure: "LOAN PRODUCT CHOICE DISCLOSURE I was provided with an offer to accept a product both with and without a prepayment penalty provision. I have chosen to accept the product with a prepayment penalty." {XXXX) - Due Diligence Vendor-05/21/2025 |
Ready for Review-Document Uploaded. - Seller-05/21/2025 |
Resolved-Received required prepayment disclosure. - Due Diligence Vendor-05/22/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO = 771 Min FICO = 680 DSCR % greater than 1.20 - DSCR = 1.6569 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4202574 |