Exhibit 99.33
| Exception Detail |
| Run Date - 07/21/2025 2:02:09 PM |
| Evolve Loan ID | Customer Loan ID | Seller Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | Exception | Exception Detail | Exception Information | Exception Remediation | Compensating Factors | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | Exception Level Rating | Note Date | Property State | Occupancy | Purpose | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Final Loan Grade | Compliance Initial Loan Grade | Compliance Final Loan Grade | Property Initial Loan Grade | Property Final Loan Grade | Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 1346304 | XXXX | XXXX | 6663828 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | FICO score is XXX. Requesting X) XXXXX use XXXX XXXXXXX XX XX comp factors are X)XXXX XXXX at XXX XXX and X) XXX within tolerance XX.XX/XX.XX%. From XXXX-- XXXXXX property type per guidelines on page XX; XXXXX XXXXX not permitted. Subject is a detached XXX with X bedrooms, X baths and X,XXX sq. ft. being used as an adult family home for XX business | XX years established credit history, XX current XXXX, and XXX is XX% XXX with XXX XXXX XXXX XXX is XX% | 02/18/2022 | B | 2 | XXXXXX | WA | 3 | 3 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1346304 | XXXX | XXXX | 6623913 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Exception XXXXX XXXX score is XXX. Requesting X) XXXX than X yrs at job X XXXX X at XXX XX mos. Comp factors are X) XXXX XXXX at XXX XXX and X) XXX within tolerance XX.XX/XX.XX%. | Reviewer 01/31/2022 07:27 PM; Justification: XX years established credit history, XX current XXXX, and XXX is XX% XXX with XXX XXXX loan XXX is XX%. |
01/31/2022 | B | 2 | XXXXXX | WA | 3 | 3 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1346304 | XXXX | XXXX | 6631387 | 1006 | XXXXXX | Credit | UW Approval | UW Approval - UW Approval - 1008 or 92900 LT missing | UW XXXX XXXXXX underwriting approval not in the file. | Docs in file are acceptable. | 02/18/2022 | A | 1 | XXXXXX | WA | 3 | 3 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1367561 | XXXXX | XXXXX | 6734141 | 378 | XXXXXX | Credit | UW Other | UW Other - UW - Initial/Final 1003 incomplete/missing | XXX guidelines, page XX, XXXX XXXX XXXXXXX on XXXX XXXXXX, XX maximum of financed properties for investment property XXXX loans. XXXXXXX, each property held personally or in closely held legal entities must be XXXXXX on the XXX XXXX of the XXXX, XXXX complete the following fields on the XXXX XXX XXXX XXXXXXX, XXXXXX, XXXX, XXXXX XXXX, XXXX amount(s) and XXXX list any XXX mortgage balances in the XXXX XXXXXXX section. XXXXXXX complete XXXX XXX. XXXXX XXXX XXX in file does not reflect both properties in XXXXXXX, XXXXX. | Documentation has been provided. | Reviewer 04/19/2022 05:53 AM; Document provided does not clear deficiencies |
04/27/2022 | A | 1 | XXXXXX | FL | 3 | 13 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1367561 | XXXXX | XXXXX | 6734148 | 380 | XXXXXX | Credit | UW Other | UW Other - UW - Lease Agreements | XXX guidelines, page XX, XXXXXX XXXXX XXXXXX XXXXXX, XXXXXXX XXXX XXXXX XXXXXX of (a) executed current XXXXX XXXXX or appraiser’s opinion of market rent. XX the home does not have a current lease, an appraiser’s XXXXXXX of XXXXXX XXXX (XXXX) can be utilized if A letter of explanation is provided, and the explanation is corroborated, as to why the property was not in service as a rental in the past year, or not currently subject to a lease & XXXX is currently advertised for rent. XX lease agreement received and per XXXX/XXX reflects no current monthly rental $. XXXXXXX required loe and current rental advertisement. | Documentation has been provided. | 04/27/2022 | A | 1 | XXXXXX | FL | 3 | 13 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1367561 | XXXXX | XXXXX | 6734157 | 340 | XXXXXX | Credit | UW Other | UW Other - UW - Insurance Missing (MI or Project) | XXX guidelines, page X, XXXX XXXX XXXXX XXXX XXXX, XXXX coverage must include, at a minimum XXXX XXXX (or equivalent to cover X months market rent). XXX XXXX/XXX reflects market rent of $X,XXX. ($X,XXX x X = $XX,XXX). XXX insurance policy reflects market rent of $XX,XXX. | Received | 04/19/2022 | A | 1 | XXXXXX | FL | 3 | 13 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1367561 | XXXXX | XXXXX | 6734227 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX guidelines, page XX, XXXXXX XX (or incomplete) XXXXXXX XXXXXXX in last XX months, XX the borrower indicates that they are living rent-free the following will be required A signed letter from the owner/primary resident of the home must be provided verifying that the borrower is living rent-free, XXX letter needs to indicate the relationship between the borrower and owner/primary resident and the reason why the borrower is living rent-free at the home, XXXXX whose XXXX statements show large regular monthly expenditures that do not match monthly payments on the credit report will be asked to provide images of checks to verify that the expenditures are not undisclosed housing-related payments, XXXXX XXX will be limited to XX% or the program maximum, whichever is lower and the minimum XXXX will be XXX. XXXXX with no primary housing payment history are not eligible for XXXX XX XXXXX terms. XXXX family member rent free letter and account detail from XXXX's checking account reflecting XXXXX XXXX XXXXX payments as noted in letter. XXXXXX also notes that XXXX is asked not to pay fees when he is in XXXXX. XXXXXXX property was a delay finance, therefore not payment history. XXX X additional properties he owns are in XXXXX and are XXXX & XXXXX. XXXXX, the XXXX has no housing and/or primary housing history in the last XX months making not eligible. | Use of XXX payments and history allowable for evidence of housing history. XXXX XXXXXXX: XXXX of XXX with a program minimum of XXX; XXXX of XX.XXXX% with a program max of XX%; XXX months reserves with a program minimum of X. | Reviewer 04/22/2022 11:53 AM; LTV and XXXX guidelines were met; however, XXXXX with no primary housing payment history are not eligible for XXXX was not met. |
04/28/2022 | B | 2 | XXXXXX | FL | 3 | 13 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1628418 | XXXXXX | XXXXXX | 7120253 | 7 | XXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | Initial application is missing reflecting an initial application date for testing purposes, please provide for review. | Information provided | 12/10/2024 | A | 1 | XXXXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1628418 | XXXXXX | XXXXXX | 7120255 | 861 | XXXXXX | Credit | Note | Note - Other: | Section XX of the note does XXXX reflect any verbiage for a prepayment addendum to note. | Information provided | Client 12/02/2024 09:00 AM; The XXXX addendum supersedes the language on the XXXXX in XXXX XXXX XXXX note was generated using XXXXXX provided plan code. Reviewer 12/02/2024 10:18 AM; Reviewer 12/02/2024 01:59 PM; Hello
 XXXX the note nor the rider reflects that the addendum supersedes the note. XXXXX need a corrected note with the verbiage in section XX or a corrected XXXX addendum with the verbiage specifying the addendum supersedes section XXXXX 
 XXXXXXX |
12/09/2024 | A | 1 | XXXXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1628418 | XXXXXX | XXXXXX | 7120256 | 824 | XXXXXX | Credit | Title Policy | Title Policy - is missing. Final ALTA title policy required. | Title reflects name of the borrower but has no mention of XXXX in which the loan closes. | Information provided | 12/02/2024 | A | 1 | XXXXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1628418 | XXXXXX | XXXXXX | 7120316 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Provide XXXXX XXXXX XXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | 12/06/2024 | A | 1 | XXXXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1628418 | XXXXXX | XXXXXX | 7120350 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | The final XXX dated XXXXXXX and updated appraisal was missing from the loan file. XXXX credit review is on hold until the documentation is received. | TPS Image Processing | 11/26/2024 | A | 1 | XXXXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1628418 | XXXXXX | XXXXXX | 7121090 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX to approve usage of appraisal for purchase and refinance. | Per XXXXXX XX - XXXXX will approve using XXXXX appraisal (delayed financing) | Client 12/09/2024 03:38 PM; Hi, XXXXXX to be provided and cleared by XXXX Reviewer 12/10/2024 09:38 AM; Client 12/19/2024 02:53 PM; Hello XXXX XXXXXX XX - we will approve using XXXXX appraisal ( delayed financing ) Reviewer 12/19/2024 02:59 PM; Condition has been reviewed. XXXXX |
12/19/2024 | A | 1 | XXXXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1628418 | XXXXXX | XXXXXX | 7123777 | 862 | XXXXXX | Credit | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Other: | Need corrected XXXX with signature line reading XXXXX XXX XXXXX a XXXX XXXX XXXXXX XXXX by it’s sole member XXX XXXXX XXXXXXX XXXXX XXXX a XXXX XXXXXX XXXX XXXX XXXXX del XXXXXX authorized member | Information provided | Reviewer 01/16/2025 10:49 AM; Received corrected XXXXXX XX XXXX to re-record is still needed |
01/23/2025 | A | 1 | XXXXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1628418 | XXXXXX | XXXXXX | 7123778 | 861 | XXXXXX | Credit | Note | Note - Other: | Need corrected note with signature line reading XXXXX XXX XXXXX a XXXX XXXX XXXXXX XXXX by it’s sole member XXX XXXXX XXXXXXX XXXXX XXXX a XXXX XXXXXX XXXX XXXX XXXXX del XXXXXX authorized member | Information provided | 01/16/2025 | A | 1 | XXXXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629301 | XXXXX | XXXXX | 7121974 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Verification XXXX XXXXXX lives outside XXX missing from file. | Borrower/guarantor residence history provided. | Client 12/10/2024 08:39 AM; See borrower/guarantor residence history that was uploaded XXXXX XXXXXX XXXXXXX clear Reviewer 12/10/2024 10:10 AM; |
12/10/2024 | A | 1 | XXXXXX | SC | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629301 | XXXXX | XXXXX | 7121977 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Verification XXXX XXXXXX XXXXXX lives outside XXX missing from file. | Borrower/guarantor residence history provided. | Client 12/10/2024 08:39 AM; See borrower/guarantor residence history that was uploaded XXXXX XXXXXX XXXXXXX clear. Reviewer 12/10/2024 10:10 AM; |
12/10/2024 | A | 1 | XXXXXX | SC | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629301 | XXXXX | XXXXX | 7121981 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX XXXXXX - XXXXXXX requirements not met. XXXXXXX require one of the following XXX XXXXXXX XXXX XXXXXX XXXXXXX XXXX XXXXX credit letter from an internationally known financial institution or a XXXX statement documenting a foreign financial banking relationship for the past XXX days may be utilized. | For the XXXXXX | Client 12/10/2024 08:41 AM; For the XXXXXX Reviewer 12/10/2024 10:10 AM; |
12/10/2024 | A | 1 | XXXXXX | SC | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629301 | XXXXX | XXXXX | 7121982 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX XXXXXX XXXXXX - XXXXXXX requirements not met. XXXXXXX require one of the following XXX XXXXXXX XXXX XXXXXX XXXXXXX XXXX XXXXX credit letter from an internationally known financial institution or a XXXX statement documenting a foreign financial banking relationship for the past XXX days may be utilized. | For the XXXXXX | Client 12/10/2024 08:43 AM; For the XXXXXX Reviewer 12/10/2024 10:10 AM; |
12/10/2024 | A | 1 | XXXXXX | SC | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629301 | XXXXX | XXXXX | 7124527 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | Appraisal expired. XXXXXX is good for XXXX days. XXXXXX date XXXXXXX closed date XXXXXXX = XXXX days | received updated current appraisal | 01/21/2025 | A | 1 | XXXXXX | SC | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629301 | XXXXX | XXXXX | 7124470 | 219 | XXXXXX | Credit | HUD1 | HUD1 - Final HUD-1 is missing | Please provide the final XXXXXX settlement statement for review. | Information provided | 01/22/2025 | A | 1 | XXXXXX | SC | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629301 | XXXXX | XXXXX | 7127947 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Provide XXXXX with a score of XXXXX or lower or a second valuation. | Acceptable XXXX provided. | 01/22/2025 | A | 1 | XXXXXX | SC | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629860 | XXXXX | XXXXX | 7123006 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | no XXX score performed, satisfactory second evaluation required | received XXX | 12/19/2024 | A | 1 | XXXXXX | ID | 3 | 13 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1630012 | XXXXX | XXXXX | 7124468 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | mtg delinquencies XXXXX in past XXX months | Exception granted: XXXX XXXXX high portfolio with over XXXX equity, XXXXX XXXXX XXX | 01/02/2025 | B | 2 | XXXXXX | NJ | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630054 | XXXXXX | XXXXXX | 7124149 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | New construction XXXX of XXXXXX required | Received XXX | 01/03/2025 | A | 1 | XXXXXX | NC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630054 | XXXXXX | XXXXXX | 7124150 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory evidence of XXXX XXXXXX primary address | The XXXXX reflects the borrower''''s primary residence is in XXXX | Reviewer 01/07/2025 09:38 AM; Section XXXXXX XXXXX XXXX guide states the XXXX XXXXX XXXX is for XXXX XXXXXX who live outside the XXXXX XXXXXX not locate documentation for borrower''''s primary residence outside the XX Reviewer 01/09/2025 02:16 PM; Satisfactory evidence of primary residency outside of XXXX for XXX borrowers |
01/21/2025 | A | 1 | XXXXXX | NC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1630054 | XXXXXX | XXXXXX | 7124153 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Satisfactory evidence of XXX day seasoning for wired funds totally XXXXXX translated that was deposited into XXXXXX xXXXX from XXXXXXX | Seasoning of assets is approved based on the following XXXXX XXXXX XXXXXX are already in a XXX account and XXXX is below XXXXXX | Reviewer 01/07/2025 10:07 AM; The XXXX XXXXX statement XXXXXXX dated XXXX reflects several deposits from XX different sources totalling XXXX XXXX documentation of the source of each of these deposits. XXX appears these deposits are gifts and were used for the closing transaction of subject property Reviewer 01/09/2025 02:18 PM; Seasoning of funds for XXX days prior to wire transfers required Client 01/20/2025 11:41 PM; From: XXXXXX XXXXX &XXX; XXXXXX XXXX XXXX XXXX XXXXX XXXXX XXXX XXXX XXXXX XXXXXX XXXXXXXXXXXX XXXX XXXXX XXXX XXXXXXXXXXXXXX XXXXX XXXX XXXXXXX XXX XXXX XXXXXXXXXX XXXXXX XXXXXX 
 XXXXXX of assets for XXXXX loan application is approved based on two mitigating factors:
 -Funds are already in a XXXXXXX account
 -LTV is below XXXXX 
 XXXXXX Reviewer 01/21/2025 06:50 AM; Condition has been reviewed. XXX |
01/21/2025 | B | 2 | XXXXXX | NC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1630199 | XXXXXX | XXXXXX | 7124108 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | The XXXXXX XXXX XXXXXX report, XXX XXXXX history on two liens noted on application, XXXXXXX XXXX XXXXX of XXXXX loss insurance, XXXXX approval, XXXXX XXXXX from XXXXX and XXXXX leases for subject property are missing from the loan file. XXXX credit review is on hold until documents received. | Documents provided | 01/02/2025 | A | 1 | XXXXXX | IL | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1630199 | XXXXXX | XXXXXX | 7124044 | 7 | XXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | File is missing the initial application, need initial application date for review. | Information provided | Reviewer 01/03/2025 11:04 AM; No documentation provided Reviewer 01/03/2025 11:04 AM; No documentation provided |
01/08/2025 | A | 1 | XXXXXX | IL | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1630199 | XXXXXX | XXXXXX | 7124045 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | 01/03/2025 | A | 1 | XXXXXX | IL | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1630199 | XXXXXX | XXXXXX | 7124046 | 824 | XXXXXX | Credit | Title Policy | Title Policy - is missing. Final ALTA title policy required. | File is missing the XXXXXXX | Information provided | 01/03/2025 | A | 1 | XXXXXX | IL | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1630199 | XXXXXX | XXXXXX | 7124047 | 200 | XXXXXX | Credit | Hazard Insurance | Hazard Insurance - If Condo, blanket coverage policy is missing | File is missing the XXXXXX XXXXXXX XXXX | Information provided | 01/03/2025 | A | 1 | XXXXXX | IL | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1630199 | XXXXXX | XXXXXX | 7124575 | 261 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal - Misrepresentation | Residential XXXXXX XXXXXXX XXXXXX XXXXX provided with XXXXX review, requesting appraiser to complete report with corrections required in addendum to support value provided | XXX will accept desk review to meet collateral deficiency | Client 01/07/2025 03:56 PM; Is this required considering the appraisers value and reviewers value were the same? Reviewer 01/08/2025 09:19 AM; Reviewer 01/08/2025 09:19 AM; Provide updated appraisal with time adjustments for comps XX and XX and adding an additional comp with positive net adjustments per the appraisal review completed. Reviewer 01/08/2025 09:19 AM; Provide updated appraisal with time adjustments for comps XX and XX and adding an additional comp with positive net adjustments per the appraisal review completed. Client 01/08/2025 10:18 AM; This is commented on by the appraiser in the reconciliation addendum. XXXXX XXXXX Reviewer 01/09/2025 10:12 AM; sent to XXXXX for review on next steps. XXXXXXX will be updated once received Reviewer 01/14/2025 12:46 PM; Received revised appraisal with additional comments by the appraiser. XXXXXXX to XXXXX for review. Reviewer 01/14/2025 12:53 PM; Please provide additional comp outside of subject project with positive adjustments to support value of XXXXX |
02/06/2025 | A | 1 | XXXXXX | IL | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1630199 | XXXXXX | XXXXXX | 7124576 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Final closing disclosure required- additional deficiencies may apply | received final XX | Client 01/07/2025 03:57 PM; Business purpose loans do not operate on XXXX XXXXXX XXX this required? Reviewer 01/08/2025 09:06 AM; final XXX or settlement statement required. |
01/08/2025 | A | 1 | XXXXXX | IL | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1630329 | XXXXXX | XXXXXX | 7124313 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Testing completed | 01/15/2025 | A | 1 | XXXXXX | GA | 1 | 13 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||||
| 1630329 | XXXXXX | XXXXXX | 7124314 | 898 | XXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | Tolerance exceeded by XXXX due to the addition of the credit report with no valid XXXXX please provide proof of refund, XXXX and XXXXX reflecting the cure within XXX days of consummation XXXXXX | Documents provided | 01/15/2025 | B | 2 | XXXXXX | GA | 1 | 13 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1630329 | XXXXXX | XXXXXX | 7124420 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Extended XXXXXX XXXXXX noted on credit report, satisfactory evidence clearing alert to be provided. | received XXX | 01/06/2025 | A | 1 | XXXXXX | GA | 1 | 13 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1630329 | XXXXXX | XXXXXX | 7124425 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | LTV of XXXX does not meet max XXXX of XXXX for X | Exception granted: XXXXX employment stable income, XXXX XXXXX XXXXXX own fund reserves not including cash out | 01/02/2025 | B | 2 | XXXXXX | GA | 1 | 13 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1630336 | XXXXXX | XXXXXX | 7124583 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Please provide the XXXXXX XXXXXXX of XXXXXX for review. | Provided | 01/09/2025 | A | 1 | XXXXXX | NJ | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630336 | XXXXXX | XXXXXX | 7124639 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Closed in XXXXX XXXXX XXXXXX XXXX XXXX a state of XXXXX XXXXXX – XXXXX XXXX in the state of XXX required, with XXXXX evidence of XXXXX of XXXXXXX XXXX XXXX XXXXXXX confirming borrower is XXXXX owner, and signed XXXXXX XXXX XXXXX XXXX is in good standing at time of closing. - XXXXXX to meet XXXXX XXXX requirements | New XXXXXXX XXXX of XXXXX provided. | Reviewer 01/08/2025 09:11 PM; Received XXXXX of XXXXXX XXXXXX XXXXXXX XXXX with borrower as sole member, and evidence XXXX is in good standing. XXXX not receive evidence XXXX is operating in the state of XX Client 01/13/2025 11:24 AM; This company is only operating in XXXXXXX XXXXXXX advise. Reviewer 01/14/2025 01:06 PM; |
01/27/2025 | A | 1 | XXXXXX | NJ | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1630336 | XXXXXX | XXXXXX | 7124641 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory lease for subject evidencing at least XXXXXXX rental income monthly being used in XXXXX calculation | received lease for XXXX and makes XXXXX XXXXXXX instead of XXXXXX | 01/08/2025 | A | 1 | XXXXXX | NJ | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630499 | XXXXX | XXXXXXX | 7124341 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | CU score exceeds XXXXXX satisfactory second evaluation required | Acceptable XXXX provided. | 01/03/2025 | A | 1 | XXXXXX | GA | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1630499 | XXXXX | XXXXXXX | 7124343 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Satisfactory evidence of XXXXX ownership of XXX XXXXX from third party. XXXXXX provided were borrower generated- not sufficient for evidence of XXXXX ownership) | K-X''''s from XXXXX and XXXXX are in the file and are sufficient. XXXXXX is no evidence of any other owner of the business. | Client 01/03/2025 11:43 AM; K-X''s from XXXXX and XXXXX are in the file and were sufficient for XXXX XXXXXX is no evidence of any other owner of the business. Reviewer 01/03/2025 12:57 PM; |
01/03/2025 | A | 1 | XXXXXX | GA | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1630499 | XXXXX | XXXXXXX | 7124344 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Satisfactory XXXX statement worksheet from XXXX at XXXXX ownership and XXXX XXX supporting income used in repayment XXXXXXX (expires XXXXXX | Income work sheet and additional XXXX statement provided. | 01/03/2025 | A | 1 | XXXXXX | GA | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1630499 | XXXXX | XXXXXXX | 7125208 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 01/23/2025 | A | 1 | XXXXXX | GA | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||||
| 1630499 | XXXXX | XXXXXXX | 7125209 | 898 | XXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | Loan is failing XXX tolerance for the increase in the XXXX XXXX fee in XXXX XX of the XXXXX XXX without a valid explanation. XXXXXX amount is XXXXXXX XXXXX a XXXXX with cure, lox to borrower, and proof of refund, all within XXX days of consummation. | Information provided | Reviewer 01/17/2025 02:05 PM; Received proof of refund and XXXX to borrower, however, the XXXX XXXX fee cannot be moved to the XXXXXXX paid column. XXX must be reflected as a XXXXX in section XXXX XXXXXXX provide a XXXX XXXXX with corrections |
01/23/2025 | A | 1 | XXXXXX | GA | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1630499 | XXXXX | XXXXXXX | 7125229 | 72 | XXXXXX | Compliance | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | 01/15/2025 | A | 1 | XXXXXX | GA | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1630648 | XXXXXX | XXXXXX | 7125190 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Loan closed in XXXXX XXXXXXX XXXXXX XXXX a state of XXXX XXXXXX XXXXX evidence of XXXXX of XXXXXXX XXXX XXXX XXXXXXX confirming borrower is XXXXX owner, and signed XXXXXX XXXX XXXXX XXXX is in good standing at time of closing. - XXXXXX to meet XXXXX XXXX requirements | IRS XXXXXXX borrower is XXXXX provided and XXXXXX of XXX XXXXX XXXXX cert provided | 01/13/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630648 | XXXXXX | XXXXXX | 7125191 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Funds to close from XXXXX XXXX XXXXXX satisfactory evidence borrower is XXXXX owner of this XXXXX asset account | IRS XXXXXXX borrower is XXXXX provided and XXXX XXXXXX XXXXXX provided. | 01/13/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630648 | XXXXXX | XXXXXX | 7125192 | 433 | XXXXXX | Credit | UW Assets | UW Assets - UW - Short funds to close | Final XXX dated XXXXXX required XXXXX funds to close, while business account printout in XXXX XXXXXXX account evidenced XXXXXX sufficient assets to close in XXXX account to be evidenced. | received business account reflecting transfer of funds to XXX | Reviewer 01/16/2025 02:56 PM; XXX XXXXX confirmation provided; however, the XXXX account XXXXXXX was not disclosed on the XXXXX nor was there a XXXX statement in the file. Client 01/17/2025 01:19 PM; The account ending XXXXX is the title company''s account number ( listed in the wiring instructions from title). XXXX funds came from XXXXX XXXX XXXX which is the borrowers'' XXXXXXX account in the file. Reviewer 01/17/2025 03:21 PM; Reviewer 01/17/2025 03:21 PM; To support XXXX acct XXXXXXX being from title, XXXX updated printout showing withdrawal of XXXX from the borrower's business account. Reviewer 01/17/2025 03:21 PM; To support XXXX acct XXXXXXX being from title, XXXX updated printout showing withdrawal of XXXX from the borrower's business account. |
01/21/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1630648 | XXXXXX | XXXXXX | 7125193 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Seller concession of XXXXX exceeds XXX of XXXXX XXXXXX XXXXXXX | Excess contribution is subtracted from subject value for loan purpose only resulting value XXXXXX XXXX lock provided is at XXXXX | Client 01/13/2025 02:41 PM; Underwriter already took this into consideration with reduction in value to XXXXXX to account for credit in excess of XXX and with the reduction XXXX is at XXXXXX XXX it the lock that needs updating? Reviewer 01/14/2025 01:07 PM; Reviewer 01/22/2025 08:34 PM; Non-owner and XXXX home maximum contributions are limited to XXX regardless of the XXX |
01/23/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1630648 | XXXXXX | XXXXXX | 7125194 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Subject new construction, final XXXX of XXXXXX is required | County XXXX provided. | 01/22/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630648 | XXXXXX | XXXXXX | 7125123 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Please provide the XXXXXX XXXXXXX of XXXX | Information provided | 01/14/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630704 | XXXXX | XXXXXXX | 7124833 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX statement worksheet ending XXXXX expired XXX days XXXXXXX updated XXXX statement for XXXXXX and updated XXXX statement worksheet required. XXXXXX over XXXX without XXXX XXXXX | document provided | 01/22/2025 | A | 1 | XXXXXX | TN | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1630704 | XXXXX | XXXXXXX | 7124834 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | DTI over XXXX due to expired XXXXXX XXXX statement- using XXX months from XXXXXXX over XXX month period | document provided | 01/22/2025 | A | 1 | XXXXXX | TN | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1630704 | XXXXX | XXXXXXX | 7124835 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory evidence of XXXXX for borrower | Xactus report provided shows XXXX matches. | 01/23/2025 | A | 1 | XXXXXX | TN | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1630704 | XXXXX | XXXXXXX | 7127854 | 65 | XXXXXX | Compliance | Right to Cancel | Right to Cancel - is missing. | Please provide the right to cancel. | Information provided | 01/23/2025 | A | 1 | XXXXXX | TN | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1630708 | XXXXX | XXXXXX | 7128439 | 961 | XXXXXX | Valuation | Appraisal | Appraisal - FEMA Disaster Re-certification Required | Please provide the XXXXX XXXXX XXXXXX | Verified | Client 01/31/2025 10:06 AM; Hello - our compliance department has confirmed this loan is not listed on XXX fire report and does not require XXXX Reviewer 01/31/2025 10:39 AM; Reviewer 01/31/2025 11:16 AM; Hello
 XXXXX has been cleared and will grade as a XXXXX 
 XXXXXX |
01/31/2025 | B | 2 | XXXXXX | CA | 3 | 1 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | ||||||
| 1630708 | XXXXX | XXXXXX | 7124840 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | CU score missing, satisfactory second evaluation required | FNMA XXXXX XXX XXXXX score XXXXXX | 01/07/2025 | B | 2 | XXXXXX | CA | 3 | 1 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1630853 | XXXXX | XXXXXX | 7124901 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | CDA missing from file. | Acceptable XXXX provided. | Client 01/08/2025 12:28 PM; XXXXX_XXX XXXXXXXXXX XXXXX XXXXX XXXX 
 XXXXX_XXX desk XXXXXXXXX XXXXX XXXXX XXXXXX - uploaded to file thank you for reviewing Reviewer 01/08/2025 02:06 PM; |
01/08/2025 | A | 1 | XXXXXX | MA | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1630853 | XXXXX | XXXXXX | 7124904 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Updated lock reflecting subject is non warrantable or provide a warrantable condo certification. XXXX has hotel amenities, XXXX commercial use, in litigation and amenities do not complete per XXXX cert. | Revised XXXXX XXXXX provided. | 01/09/2025 | A | 1 | XXXXXX | MA | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1630853 | XXXXX | XXXXXX | 7124906 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Updated loan approval/clarification required to verify if loan is closing in an XXXX or as individual. XXXXXX is in individuals name, title is in XXXXX XXXX condition reflects loan is closing in XXXXX XXXX from attorney''''s office states the loan will close in individuals'''' name. XXXXX must be consistant. | LDL reflects borrower as an XXX | 01/08/2025 | A | 1 | XXXXXX | MA | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1630853 | XXXXX | XXXXXX | 7124908 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Verification XXXXXXX funds to close must be on deposit with the XXXXX company at least XX business days prior to close. XXXXXX trail must be complete. | XXXk is being held by escrow since XXXXXX XXXX and XXXX XXXX of XXX statements in file along with transaction history in the name of the XXXX - that''''s more than XXX days seasoning | Client 01/08/2025 12:37 PM; XXXk is being held by escrow since XXXXXX XXXX and XXXX XXXX of XXX statements in file along with transaction history in the the name of the llc - thats more than XXX days seasoning. XXXXX have XXXXXXX XXXX statements that shows funds were held prior to transfer to XXXXX of XXX for over XXX days. XXXX XXXX is a XXX entity doing business in the XXX and use of a XXX XXXXX is allowed. XXXXX transferred funds to the us XXXX XXXXX of XXXXX and all support Reviewer 01/08/2025 02:20 PM; |
01/08/2025 | A | 1 | XXXXXX | MA | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1630853 | XXXXX | XXXXXX | 7127881 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | HOI must be in the name of XXXXXX XXXX XXXX in file is in an XXXX name. | The individual on XXXX is the XXXXX owner of the XXXX and is the personal guarantor. | Client 01/22/2025 12:40 PM; Hello, 
 the individual on XXXX is the XXXXX owner of the XXXX and is the personal guarantor. XXXX we keep the insurance under the individual's name? Reviewer 01/22/2025 02:27 PM; Condition has been reviewed. XXX |
01/22/2025 | A | 1 | XXXXXX | MA | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1630853 | XXXXX | XXXXXX | 7127883 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | EIN for XXXX missing from file. | IRS XXXX XXXXXXX provided. | 01/22/2025 | A | 1 | XXXXXX | MA | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1630913 | XXXXX | XXXXX | 7125124 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Lease XXXXXX missing from file. XXXX sales contract reflects XXXXXXX will rent back unit XXXX XXXXXX agreement reflecting terms of lease missing from file. XXXXX may affect XXXXX calculation. | received revised XXXXX confirmation from XXXX | Reviewer 01/21/2025 04:31 PM; The document received reflects the seller will lease for XXXXXX per month for XX year. XXXXXX rents = XXXX and XXXXX = XXXXXX XXXX revised lock and updated approval with XXXXX XXXX and not XXXXXX Reviewer 02/01/2025 05:37 PM; LOE received states there is a revised lock with XXXXX of XXXXXX XXXX documents received did not include the revised lock and exception for lower XXXXX . |
02/03/2025 | A | 1 | XXXXXX | NY | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1630913 | XXXXX | XXXXX | 7125131 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Based on appraiser comments, the property line for the subject property and the adjacent home runs down the middle of the driveway. XXXX driveway is shared, and maintenance is shared. XXXXXX does not address the shared driveway or maintenance agreement or property line issue. | Received title documents for shared driveway | Reviewer 01/21/2025 04:33 PM; Provide revised title commitment to address the shared driveway and/or maintenance agreement for the property line. |
02/01/2025 | A | 1 | XXXXXX | NY | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1630916 | XXXXX | XXXXXXX | 7125065 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | UVAK XXXX XXX is also owned by XXXX XXXXX XXXXX exception needed for ownership not owned by individual | XXX''''s legal team has reviewed and approved all entity documents and provided an approved signature block. XXXXXXX approval is in the file. | Client 01/09/2025 01:22 PM; Please see entity approval review document uploaded on XXXXXXX XXXX legal team has reviewed and approved all entity documents and provided an approved signature block. Reviewer 01/09/2025 01:46 PM; |
01/09/2025 | A | 1 | XXXXXX | OH | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1630916 | XXXXX | XXXXXXX | 7125067 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | no second evaluation located- satisfactory second evaluation is required | Acceptable XXXX provided. | 01/14/2025 | A | 1 | XXXXXX | OH | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1630916 | XXXXX | XXXXXXX | 7125068 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory fraud report for both borrowers, (only fraud on partnership found) | Fraud XXXXXXX provided | 01/14/2025 | A | 1 | XXXXXX | OH | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1631004 | XXXXXXX | XXXXXXX | 7125247 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Minimum XXXXX XXXX for XXXX XXXXXX XXXX XXXXX XXXXX | Compensating factors: XXXXXXX credit with no history of unwillingness to repay debt, XXXXX XXXXXXX XXXX owned free and clear. | 01/10/2025 | B | 2 | XXXXXX | AL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631004 | XXXXXXX | XXXXXXX | 7125252 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Borrower is an XXXXX XXXXXXX XXXXX not locked as XXXXXXX | Lock XXXX provided. | Client 01/13/2025 01:56 PM; uploaded Reviewer 01/13/2025 03:27 PM; Lock provided does not show the borrower as an XXXXXX Reviewer 01/14/2025 11:44 AM; Condition has been reviewed. XXXXX |
01/14/2025 | A | 1 | XXXXXX | AL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631004 | XXXXXXX | XXXXXXX | 7125256 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Verification XXXX residence free and clear missing from file. | Prperty XXXX XXXXXXX provided. | Client 01/13/2025 02:15 PM; Property profile showing no liens on the property uploaded Reviewer 01/13/2025 03:25 PM; Borrowers XXXX located at XXXXX XXXXXX XXXXX XXXX XXXXXX XXXXXX report provided. is for the subject. Client 01/14/2025 11:20 AM; Reviewer 01/14/2025 11:43 AM; Reviewer 01/14/2025 11:51 AM; Condition has been reviewed. XXX Reviewer 01/14/2025 12:05 PM; |
01/14/2025 | A | 1 | XXXXXX | AL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631004 | XXXXXXX | XXXXXXX | 7125258 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX exception approval required. XXXXXX approval reflects XX months reserve, XXXXX verified reserves XXXXXX and exception approval reflects XXXXX XXXXXXX XXXXX is XXXXXXX | Reserves are not a requirement of XXXXXX and meets XXXXXX at XXXXXX to XX ratio | Client 01/13/2025 02:15 PM; see attached XXXX statement Reviewer 01/14/2025 11:44 AM; Condition has been reviewed. XXXXX |
01/13/2025 | A | 1 | XXXXXX | AL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631013 | XXXXXX | XXXXXX | 7125309 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Loan closed as XXX XXXXXXX XXXX a state of __??___LLC. XXXXX evidence of XXXXX of XXXXXXX XXXX XXXX XXXXXXX confirming borrower is XXXXX owner, and signed XXXXXX XXXX XXXXX XXXX is in good standing at time of closing. - XXXXXX to meet XXXXX XXXX requirements. | Received all documents/ borrowers are XXXXXXX owners each | 01/14/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631013 | XXXXXX | XXXXXX | 7125310 | 319 | XXXXXX | Credit | UW Assets | UW Assets - UW - Seller Credit exceeds limit | Seller concession of XXXXX exceeds XXX of XXXXXX XXXXXX XXXXXXX | Received lock confirmation with XXXX XXXXXX | Reviewer 01/14/2025 08:15 PM; Under additional review Reviewer 01/15/2025 01:09 PM; Provide the updated lock confirmation reflecting the new XXXX per XXXX provided |
01/24/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631013 | XXXXXX | XXXXXX | 7125311 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Provide XXXXX XXXXX XXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXXX confirmation | 01/14/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631013 | XXXXXX | XXXXXX | 7125312 | 433 | XXXXXX | Credit | UW Assets | UW Assets - UW - Short funds to close | Verified funds XXXXX short funds needed to close XXXXXX verified funds in XXXX account XX days before closing | received XXX XXXX statement = XXXXX | 01/14/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631013 | XXXXXX | XXXXXX | 7125227 | 7 | XXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | Initial application must be signed by borrower and XXXX | Information provided | 01/14/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631013 | XXXXXX | XXXXXX | 7125228 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Lock provided | 01/14/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631013 | XXXXXX | XXXXXX | 7125385 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Insurance must be in the name of XXXXXX XXXX in file reflects individual names. | Revised XXXX provided. | Reviewer 01/14/2025 08:16 PM; Documents received did not include XXXX revision |
01/16/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631089 | XXXXX | XXXXX | 7126611 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Closed in XXXXX XXXX XXXXXX XXXX a state of XXXXX XXXXXX XXXXX evidence of XXXXX of XXXXXXX XXXX XXXX XXXXXXX confirming borrower is XXXXX owner, or each member of XXXX or more will be required to be added as borrower, satisfactory signed XXXXXX XXXXX XXXXX XXXX is in good standing at time of closing. - XXXXXX to meet XXXXX XXXX requirements- XXXXXX and XXXXXX agreement are not in borrowers name- all ownership with XXXX or more is required to be a borrower.) | Operating agreement identifies the XXXX as a XXXXX XXXXXXX XXXX and XXXXXX XXXX XXXXX as that XXXX XXXX name on the XXXX assignment letter does not establish any ownership. XXXX operating agreement is the governing document and establishes XXXX XXXXX as sole owner, sufficient for XXXXX XXXXX | Reviewer 01/21/2025 03:22 PM; The XXXX is not in borrower''''s name as the sole member. XXXXX signed the note as the sole member. XXXX not receive evidence XXXX is in good standing. XXXX not receive third party documentation to verify all members of the XXXX and ownership percentage. Client 01/30/2025 06:41 PM; Operating agreement identifies the XXXX as a XXXXX XXXXXXX XXXX and XXXXXX XXXX XXXXX as that XXXX the name on the XXXX assignment letter does not establish any ownership. XXXX person can request an XXXXX such as their attorney, XXXX or a third party service that sets up XXXXXXX for a fee. XXXX operating agreement is the governing document and establishes XXXX XXXXX as sole owner, sufficient for XXXXX XXXXX Reviewer 01/31/2025 04:45 AM; |
01/31/2025 | A | 1 | XXXXXX | PA | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631094 | XXXXX | XXXXXXX | 7125627 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | no XXX score located, satisfactory second evaluation required | Acceptable XXXX provided. | 01/13/2025 | A | 1 | XXXXXX | CO | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1631094 | XXXXX | XXXXXXX | 7125633 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | DTI over XXXX due to auditor income lower by removing transfers, overdraft protection and purchase refunds from XXXXX personal XXXX statements with income XXXX | Uploaded income sheet though XXXX reflecting monthly income of XXXXXXX resulting in a XXXX of XXXXX XXXXXXX review underwriter data XXXXXX uploaded showing XXXX of XXXXXX | Client 01/15/2025 12:01 PM; Please review uploaded income sheet though XXXX reflecting monthly income of XXXXXXX resulting in a dti of XXXXX XXXXXXX review underwriter data XXXXXX uploaded showing dti of XXXXXXX thank you for reviewing Reviewer 01/15/2025 12:27 PM; |
01/15/2025 | A | 1 | XXXXXX | CO | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1631094 | XXXXX | XXXXXXX | 7125634 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Satisfactory evidence XXX borrower is XXXXX owner of XXXX XXXXX XXX | Articles of organization and XXXX docs uploaded showing the XXXX is only XX member and therefore owns XXXXX of XXXX XXXXX XXX | Client 01/15/2025 11:59 AM; Please review articles of organization and llc docs uploaded showing the llc is only XX member and therefore owns XXXXX of XXXX XXXXX llc. thank you for reviewing Reviewer 01/15/2025 12:26 PM; |
01/15/2025 | A | 1 | XXXXXX | CO | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1631094 | XXXXX | XXXXXXX | 7128788 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 02/07/2025 | A | 1 | XXXXXX | CO | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||||
| 1631094 | XXXXX | XXXXXXX | 7128789 | 901 | XXXXXX | Compliance | Compliance | Compliance - TRID Other | Provide XXXXXX dated within XX days of rate lock date of XXXXX XXXXXX is also XXXX in file dated XXXX | Information provided | 02/07/2025 | A | 1 | XXXXXX | CO | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1631100 | XXXXX | XXXXXX | 7125637 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | no XXX score located, satisfactory second evaluation required | Acceptable XXXX provided. | 01/13/2025 | A | 1 | XXXXXX | CT | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1631100 | XXXXX | XXXXXX | 7125641 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Closed in XXXXX XXXX XXXXXX XXXXX XXXXXX XXXX a state of XXXX XXXXXX XXXX satisfactory evidence of XXXXX of XXXXXXX XXXX XXXX XXXXX XXXXX XXXX is in good standing at time of closing. - XXXXXX to meet XXXXX XXXX requirements (operating agreement provided evidenced XXXX ownership with XXXXXX XXXXXX and XXX ownership with XXXXXX XXXXX XXXXX | Loan is not closing in an XXXX - amendment in file stating loan is closing in XXXXXX name not XXXXX | Client 01/14/2025 01:26 PM; loan is not closing in an llc - amendment in file stating loan is closing in XXX name not llc - thank you for reviewing Reviewer 01/14/2025 03:54 PM; |
01/14/2025 | A | 1 | XXXXXX | CT | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1631394 | XXXXX | XXXXX | 7128333 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | UW XXXXXXX XXX - XXXXXXX XXXXXX XXXXX XXXX XXXXX XXXXXX do not have primary address in XXXXXX XXXXX XXXX and supporting documentation regarding address on drivers license and XXXXX XXXXX XXXXX of XXXX XXXXXX XXXXX XXXXX XXXXXXX XXXX and on XXXXX of XXXX XXXX statement of XXXXXX XXXX XXXXXXX XXXXXX XXXXXX XX | LOE and XXXX statements acceptable for finding per XXXX | Reviewer 01/28/2025 03:59 PM; received XXXXXX XXXX supporting documentation such as XXXX from friends and utilities in their names. |
01/28/2025 | A | 1 | XXXXXX | CA | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631394 | XXXXX | XXXXX | 7127720 | 328 | XXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | Satisfactory XXXX mortgage history from XXXXX XXXXX for subject lien | received XXX | Reviewer 01/28/2025 05:36 PM; Did not receive payment history from XXXXX XXXXX for subject property being refinanced. XXXXX was purchased XXXXXXX with deed of trust of XXXXXXX |
02/04/2025 | A | 1 | XXXXXX | CA | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631394 | XXXXX | XXXXX | 7127721 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XX day seasoning required for funds to close from XXXXX XXXXX XXXX | received XXX day seasoning for XXXXX XXXXX XXXXX account | 01/28/2025 | A | 1 | XXXXXX | CA | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631394 | XXXXX | XXXXX | 7127722 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Final XXX to show two deposits from borrower to title of XXXXX on XXXX | CD received reflects deposits made | 01/22/2025 | A | 1 | XXXXXX | CA | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631635 | XXXXXX | XXXXXX | 7127865 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Foreign XXXXXX may not reside in the XXXXXX XXXX on XXXXX XXXXX statements evidenced a XXXX XXXXXX XXXX final XXXXX with XXXX address, and update loan as XXXXX XXXXX vs XXXX XXXXXXX | Received XXXX for XXX address | 01/31/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631635 | XXXXXX | XXXXXX | 7127866 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Supply XXXXX number(s) for both borrowers. XXXXXXX XXXXX for XXX XXXXXXX XXXXX however, also need XXXXX for both borrowers residing in XXXXX | IRS XXXXX XXXXXXX provided | 01/27/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631635 | XXXXXX | XXXXXX | 7127867 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory XXXXXXX report for both borrowers using XXXXX XXXXX XXXX | LOE provided using cousin''''s address, and funds were provided from foreign national account | 01/31/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631635 | XXXXXX | XXXXXX | 7127869 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Both XXXXX XXXXXX renting in XXXX as primary, and purchasing investments as a XXXXX time homebuyer will need prior XXXXX XXXXX approval. | LOE provided using cousin''''s address, and funds were provided from foreign national account | 01/31/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631635 | XXXXXX | XXXXXX | 7127870 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Seller concession exceeds max XXXXX XXX XXXXXX less concession XXXXXXX XXXXXX / loan amount XXXXXX = XXXX XXXX exceeding XXXXXX XXXX on lock. | Purchase XXXXX XXXXXX x XXXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXXXX XXXXXXXXXXX XXXXX amount XXXXXX = XXXX XXXXXX XXXX allowed XXXXXX | 01/27/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631635 | XXXXXX | XXXXXX | 7127983 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Loan XXXXX missing | Loan approval provided. | 01/27/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631635 | XXXXXX | XXXXXX | 7127984 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Insurance must be in the name of XXXXXX XXXXXX in individual''''s name. | LLC XXXX provided. | 01/27/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631818 | XXXXXX | XXXXXX | 7128057 | 433 | XXXXXX | Credit | UW Assets | UW Assets - UW - Short funds to close | Three transfers from borrowers XXXX account to title of XXXXXX XXXXX | Additional funds statement of XXXX provided. | 01/29/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631818 | XXXXXX | XXXXXX | 7128059 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX transaction histories for three accounts at XXXX is missing account owners names and account numbers, and XXXX XXXX are not translated to XXXXXXX | BHD statement provided contains borrower''''s name | 01/29/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631818 | XXXXXX | XXXXXX | 7128060 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Translation document provided noted XXXXX of XXXX to XXX XXXXXX XXXX the asset statement used for this translation. (missing stmt) | Popular statement provided. | 01/29/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631818 | XXXXXX | XXXXXX | 7128061 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | DSCR of XXXXX does not meet XXXX XXXXX XXXXX required XXXXX calculation | The file contained an XXXXXX XXXXX and an email from XXXXX stating the XXXXXX is approved as presented. | 01/29/2025 | B | 2 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631818 | XXXXXX | XXXXXX | 7128062 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | DSCR of XXXXX does not meet XXXX XXXX XXXXXX XXXXX calculation of X | The file contained an XXXXXX XXXXX and an email from XXXXX stating the XXXXXX is approved as presented. | 01/29/2025 | B | 2 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631877 | XXXXX | XXXXXX | 7128596 | 879 | XXXXXX | Credit | Application | Application - Other: | Initial application must be signed by borrower and XXXX | Information provided | 02/05/2025 | A | 1 | XXXXXX | SC | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631926 | XXXXX | XXXXXXX | 7128182 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | updated XXXX statement worksheet from XXXXXXX XXXX ownership and XXXX XXXXX | The XXXX statement is in file, showing XX deposits, the income sheet reflecting XX for the month of XXXX is correct. | Client 01/27/2025 12:18 PM; The XXXX statement is in file, but it had XX deposits, the income sheet reflecting XX for the month of XXXX is correct. 
 XXXXX_income XXXXXXXXX XXXX XXXXX XXXXXX - initial upload 
 XXXXXX_income sheet XXXXXXXXXXX XXXXX XXXXX XXXXXX - reupload XXXXXX you for reviewing Reviewer 01/27/2025 12:33 PM; Condition has been reviewed. XXX |
01/27/2025 | A | 1 | XXXXXX | MI | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1631926 | XXXXX | XXXXXXX | 7129433 | 206 | XXXXXX | Credit | Hazard Insurance | Hazard Insurance - year premium not in force at least 60 days post funding. | Hazard XXXXXXX expires XXXXXX XXXXXXX provide updated policy for review. | Information provided | 02/13/2025 | A | 1 | XXXXXX | MI | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1631926 | XXXXX | XXXXXXX | 7129668 | 898 | XXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | Zero tolerance violation of XXXXXX due to the addition of the XXXXXX XXXXXXX fee on the XXXXX XXXXX XXXXXXX provide proof of refund, XXXX to borrower and a XXXXX reflecting cure. XXXX must be provided iwthin XXX days of closing | Reviewer 02/14/2025 05:53 PM; |
02/14/2025 | A | 1 | XXXXXX | MI | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1631926 | XXXXX | XXXXXXX | 7129669 | 902 | XXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 02/18/2025 | A | 1 | XXXXXX | MI | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1631926 | XXXXX | XXXXXXX | 7129920 | 894 | XXXXXX | Compliance | Compliance | Compliance - TRID LE- Other | Please provide evidence the XXXXX XXX was received at least XX days prior to closing | Information provided | 02/18/2025 | A | 1 | XXXXXX | MI | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1631934 | XXXXX | XXXXXX | 7128210 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Loan approval reflects loan is a cash out refinance. XXXXX confirmation reflects loan is a XXXX XXXX | Revised XXXX provided. | Client 01/28/2025 11:17 AM; Updated ldl is in loan reflecting rate and term refinance XXXXXX you for reviewing Reviewer 01/28/2025 11:38 AM; |
01/28/2025 | A | 1 | XXXXXX | MO | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631934 | XXXXX | XXXXXX | 7128966 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Updated XXXXX required, per lock in file loan closed with XXXXX per closing docs the loan did not close with a XXXXXX XXXXXXX provide updated lock reflecting no XXXXX | Information provided | Reviewer 02/10/2025 01:43 PM; Updated lock has not been provided |
02/14/2025 | A | 1 | XXXXXX | MO | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631978 | XXXXX | XXXXX | 7128294 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | Subject located in XXXXXX XXXXXX case by case to be determined | Per matrix, when property is located in a declining market are, the max XXXX is reduced by XXXXX XXXXX loan would have a max ltv of XXXX (cash out, XXXXXX XXXX XXXXXXX but max was reduced to XXXXX | Client 01/28/2025 11:04 AM; Per matrix, when property is located in a declining market are, the max XXXX is reduced by XXXXX XXXXX loan would have a max ltv of XXXX (cash out, XXXXXX XXXX XXXXXXX but max was reduced to XXXXX Reviewer 01/28/2025 11:28 AM; |
01/28/2025 | A | 1 | XXXXXX | KS | 3 | 13 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1631978 | XXXXX | XXXXX | 7128295 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | no XXX score, satisfactory second evaluation required | Acceptable XXXX provided. | 01/28/2025 | A | 1 | XXXXXX | KS | 3 | 13 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1632162 | XXXXX | XXXXXXX | 7129772 | 65 | XXXXXX | Compliance | Right to Cancel | Right to Cancel - is missing. | Right to XXXXXXX is missing from images. | Information provided | 02/14/2025 | A | 1 | XXXXXX | MI | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1632162 | XXXXX | XXXXXXX | 7128431 | 384 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | Satisfactory third party verification of XXXX ownership of business other than borrower generated XX | XX,XXX shares are XXXX XXXX reflects XX other members | Reviewer 02/13/2025 02:01 PM; the document received from the XXXX did not reflect the percentage of borrower''''s ownership of business. XXX states there are XXXXXXX authorized shares, but not how much is owned. |
02/17/2025 | A | 1 | XXXXXX | MI | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1632162 | XXXXX | XXXXXXX | 7128432 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory XXXX schedule | REO schedule is acceptable as is since borrower does not own additional properties | Client 02/04/2025 02:36 PM; REO is satisfactory as is. XXXXXXX clear. Reviewer 02/04/2025 03:32 PM; Condition has been reviewed. XXX |
02/04/2025 | A | 1 | XXXXXX | MI | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1632162 | XXXXX | XXXXXXX | 7128434 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory documentation omitting XXXXXXX owned at XXXXX XXXX XXX XXXXX XXXX XXXXXXX XXX XXXX with XXXXXXX XXXXXXX reporting on credit) | Property report supports borrower does not own XXXXX XXXX XXX XXXX | Client 02/04/2025 02:36 PM; I have uploaded a document that shows that borrower does not own this property. Reviewer 02/04/2025 03:32 PM; Condition has been reviewed. XXX |
02/04/2025 | A | 1 | XXXXXX | MI | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1632162 | XXXXX | XXXXXXX | 7128435 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory documentation omitting XXXXXXX owned at XXXXX XXXXX XXXX XXXX XX | Property report supports borrower does not own XXXXX XXXXX XX | Client 02/04/2025 02:37 PM; I have uploaded a document that shows that borrower does not own this property. Reviewer 02/04/2025 03:32 PM; Condition has been reviewed. XXX |
02/04/2025 | A | 1 | XXXXXX | MI | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1632162 | XXXXX | XXXXXXX | 7128436 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory evidence there is no XXXX for property located at XXXXXX XXXX XXXX XXXXX XXXX XX | Zillow report supports XXXX dues XXXXXX | Client 02/04/2025 02:38 PM; I have uploaded the XXXXXXX printout that shows that the XXXX is XXXXXX XXXX current XXXX is XXXXXX XXXXX will not make a difference in the XXXXXX XXXXXXX waive. Reviewer 02/04/2025 03:32 PM; Condition has been reviewed. XXX |
02/04/2025 | A | 1 | XXXXXX | MI | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1632203 | XXXXX | XXXXXXX | 7129102 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Testing complete | 02/11/2025 | A | 1 | XXXXXX | TX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||||
| 1632203 | XXXXX | XXXXXXX | 7129103 | 920 | XXXXXX | Compliance | Compliance | Compliance - TRID-Missing Final CD | Final XXX in file is not signed by the borrower | CD provided | 02/11/2025 | A | 1 | XXXXXX | TX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1632203 | XXXXX | XXXXXXX | 7128502 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory evidence child support payments of XXXXX monthly noted on personal XXXX statements have been omitted from XXXXX | UW worksheet debt page reflecting no child support debt included in XXXX uploaded | Client 01/30/2025 04:51 PM; UW worksheet debt page reflecting no child support debt included in XXXX uploaded XXXXX_uw worksheet debt XXXXXXXX XXXX XXXXX XXXXXX XXXXXX you for reviewing Reviewer 01/30/2025 05:15 PM; |
01/30/2025 | A | 1 | XXXXXX | TX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1632203 | XXXXX | XXXXXXX | 7128503 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | CU score missing, satisfactory second evaluation required | FNMA XXXXX XXX XXXXX score was XXXX | 01/30/2025 | A | 1 | XXXXXX | TX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1632203 | XXXXX | XXXXXXX | 7128504 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Supply personal XXXX statement xXXX with XXXXXXX XXXXX XXXXXX XXXXX for month covering XXXXXX that was not found | XXX XXXX printout containing XXXX statement provided. | Client 01/30/2025 05:18 PM; XXXXXXX_TDOC_XX_XX - XX_XX XXXXXXX XXXX printout_XXXXXX.pdf - missing october statement uploaded XXXXXX you for reviewing Reviewer 01/30/2025 06:35 PM; |
01/30/2025 | A | 1 | XXXXXX | TX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1632203 | XXXXX | XXXXXXX | 7128505 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Satisfactory XXXXX statement income worksheet supporting XXXXXXX used in repayment | Income worksheet uploaded supporting XXXXX resulting in XXXX of XXXXXXX still qualifies - | Client 01/30/2025 04:50 PM; Income worksheet uploaded supporting XXXXX resulting in dti of XXXXXXX still qualifies - XXXXX_Income sheet supporting XXXXXXXX XXXX XXXXX XXXXXX XXXXXX you for reviewing Client 01/30/2025 05:08 PM; Please disregard this post. XXXXXX you! Reviewer 01/30/2025 05:15 PM; Reviewer 01/30/2025 06:25 PM; Reviewer 01/31/2025 10:03 AM; |
01/30/2025 | A | 1 | XXXXXX | TX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1632240 | XXXXX | XXXXXX | 7128544 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Non XXXXX XXXXXXX transaction with back taxes from XXXXX unpaid. XXXXX evidence taxes are current prior to closing, or XXXXX to approve exception for bailout at closing. | Received exception approval from XXXXXXX XXXXXXX as if XXXXX history has a XXXXXX day late. | 02/06/2025 | B | 2 | XXXXXX | CT | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1632240 | XXXXX | XXXXXX | 7128545 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | CPA to verify they have prepared or reviewed the tax returns for the covered period on X | document provided | 02/07/2025 | A | 1 | XXXXXX | CT | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1632240 | XXXXX | XXXXXX | 7128546 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Supply satisfactory evidence of XXXX license | document provided | 02/07/2025 | A | 1 | XXXXXX | CT | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1632240 | XXXXX | XXXXXX | 7128547 | 258 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal - Completion Certification | Second final inspection required to evidence chipping/peeling lead paint on XXXXX built home has been resolved, and the flooring in both bedrooms have been completed for safety. | Pictures provided reflect the bedrooms and bathroom have been completed. | Reviewer 02/06/2025 07:12 PM; Provide a cost to cure the XX unfished bedrooms or evidence the unfinished bedrooms are not a potential safety issue. |
02/12/2025 | A | 1 | XXXXXX | CT | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | ||||||
| 1632240 | XXXXX | XXXXXX | 7129105 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 02/10/2025 | A | 1 | XXXXXX | CT | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | ||||||||
| 1632240 | XXXXX | XXXXXX | 7129106 | 891 | XXXXXX | Compliance | Compliance | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application | Missing the initial XXX issued within XX days of application XXXXXX | Information provided | 02/10/2025 | A | 1 | XXXXXX | CT | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1632264 | XXXX | XXXX | 7128839 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Loan XXXXX missing from file. | received loan approval | 02/07/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1632264 | XXXX | XXXX | 7128840 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Provide XXXXX XXXXX XXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXXX XXXXXX | 02/05/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1632264 | XXXX | XXXX | 7128841 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Mortgage loan being paid off is a balloon that expired XXXXX XXXXX is considered in default. | Received XXXX from XXXXXX stating loan is current and next pay date was XXXXXXX | Client 02/05/2025 01:23 PM; Please obtain additional info: is the current lender still accepting payments? XXXXX they filed a XXXXXX XXXXX payoff include any XXXXXX fees? XXX the current lender is not on war footing but is working with the borrower to resolve the matured balloon, then XXXXX is able to purchase the loan withing XXX and policy guidance per management. Reviewer 02/05/2025 02:57 PM; condition updated Reviewer 02/05/2025 02:57 PM; Please obtain additional info: is the current lender still accepting payments? XXXXX they filed a XXXXXX XXXXX payoff include any XXXXXX fees? XXX the current lender is not on war footing but is working with the borrower to resolve the matured balloon, Reviewer 02/05/2025 02:57 PM; Please obtain additional info: is the current lender still accepting payments? XXXXX they filed a XXXXXX XXXXX payoff include any XXXXXX fees? XXX the current lender is not on war footing but is working with the borrower to resolve the matured balloon, Reviewer 02/07/2025 08:55 AM; Document received did not include information requr=ested from the current lender prior to closing |
02/10/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1632264 | XXXX | XXXX | 7128846 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Gift funds are not permitted on refinances per guidelines XXXX XXXXXX | Comp factors: XXXX XXXXX satisfactory housing history | Client 02/05/2025 01:24 PM; Section XXXXX does not specifically disallow gift for a refinance. XXXXX is short personal funds to close at this XXXX but has a matured XXXX note to resolve. XX family member's gift is logical under this circumstance. Reviewer 02/05/2025 02:59 PM; Provide exception for file referencing commentary in escalation. Reviewer 02/05/2025 02:59 PM; Provide exception for file. Reviewer 02/05/2025 02:59 PM; Provide exception for file Reviewer 02/07/2025 08:51 AM; The document received did not reflect an exception for the gift funds |
02/11/2025 | B | 2 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1632264 | XXXX | XXXX | 7128707 | 72 | XXXXXX | Compliance | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | lock provided | 02/06/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1632330 | XXXXX | XXXXX | 7128735 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Max XXXXX amount of XXXX not met for XXXXX borrower | Loan amount of XXXX XXXXXX is approved. XXXXX XXXXX XXXXX reserves (which may be from net cash out from the refinance), XXXX XXXX XXXXX XXXXXX housing history XXXX XXXX provided), XXXX XXXXXX | Client 02/04/2025 09:40 AM; please see upload XXXXX_Exception XXXXXXXXXXX XXXXX XXXXXXXXXXX – exception email from XXXXXX uploaded on XXXXX XXXXXXX waive XXXXXX you for reviewing Reviewer 02/04/2025 11:46 AM; |
02/04/2025 | B | 2 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | C | A | Non-QM | 1 | ||||||
| 1632330 | XXXXX | XXXXX | 7128739 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | no XXX score provided, satisfactory second evaluation required. | FNMA XXXXX XXX XXXXXX XXXXXX | Client 02/04/2025 09:50 AM; Please see document upload today XXXXXX you for reviewing Reviewer 02/04/2025 11:47 AM; |
02/04/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | C | A | Non-QM | 1 | ||||||
| 1632330 | XXXXX | XXXXX | 7128740 | 384 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | Evidence borrower has been self employed for at least two years, for XXXXX XXXXXX XXXXXX did not mention when either of the two self employments used in repayment were opened) | Fictitious XXXXX XXXXXXX XXXXXX provided. | 02/04/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1632330 | XXXXX | XXXXX | 7129607 | 846 | XXXXXX | Compliance | Disclosure | Disclosure - Missing initial disclosure within 3 days of application | Provide evidence XXXXX XXXXXX XXXXXXX disclosure was disclosed to the borrower within XX days of application date of XXXX | Information provided | 02/12/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1632330 | XXXXX | XXXXX | 7129609 | 846 | XXXXXX | Compliance | Disclosure | Disclosure - Missing initial disclosure within 3 days of application | Provide XXXXX dated within XX days of application date of XXXXX XXX XXXXX located in file. | Information provided | 02/12/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1632330 | XXXXX | XXXXX | 7129612 | 894 | XXXXXX | Compliance | Compliance | Compliance - TRID LE- Other | Provide initial XXX and any revised XXXXXX XXX XXXX were located in file. | Information provided | 02/12/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1632330 | XXXXX | XXXXX | 7129613 | 902 | XXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 02/12/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | C | A | Non-QM | 1 | ||||||||
| 1632330 | XXXXX | XXXXX | 7129614 | 970 | XXXXXX | Compliance | Compliance | Compliance - CD- Missing | Provide initial XXXXX XXXXX final XXX was located in file. | Information provided | 02/12/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1632330 | XXXXX | XXXXX | 7129615 | 1058 | XXXXXX | Compliance | Compliance | Compliance - Need Evidence of Borrower Intent to Proceed | Information provided | 02/12/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | C | A | Non-QM | 1 | ||||||||
| 1632330 | XXXXX | XXXXX | 7129733 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Confirm XXXX license/existence | CA XXXX and XXXXXX provided | Client 02/24/2025 12:24 PM; Please see the following uploads that confirm existence of XXX - XXXX XXXXX_M Reviewer 02/24/2025 01:10 PM; |
02/24/2025 | A | 1 | XXXXXX | CA | 1 | 3 | C | B | C | B | C | A | C | A | Non-QM | 1 | ||||||
| 1632484 | XXXXX | XXXXX | 7128948 | 436 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete VOE | Verbal dated XXX days before closing for XXX income used in repayment | VVOE dated XXXXXX provided. XXXXX dated XXXXXXX | Client 02/10/2025 06:12 PM; This will come with the closing package. Reviewer 02/10/2025 06:12 PM; Reviewer 02/10/2025 06:12 PM; This will come with the closing package. |
02/23/2025 | A | 1 | XXXXXX | VA | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1632484 | XXXXX | XXXXX | 7128949 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Satisfactory income worksheet from XXXXXXX at XXXXX ownership and XXXX XXX (wkst provided expired) | Income work sheet provided. | Client 02/10/2025 06:13 PM; Added updated income calculation to the file. XXXXX thru XXXXX Reviewer 02/10/2025 06:28 PM; |
02/10/2025 | A | 1 | XXXXXX | VA | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1632507 | XXXXXX | XXXXXX | 7129187 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Vacant XXXXXXX properties are not eligible for refinances per guidelines section XXXX XXXXX is a XXXXXXX property. XX unit is vacant. XXXX eligible for a refinance. | Exception allowed to move forward. XXXXX XXXX XXXX XXXX XXXXX reserves after close XXXXXXX | Client 02/07/2025 12:50 PM; LTV is XXXXXXX XXXXX is XXXXXXX based only on the use of rents from one of the units. XXXXXXX in the appraisal clearly indicate both units are occupied. XXX months reserves. Reviewer 02/07/2025 02:56 PM; Client 02/11/2025 01:42 PM; Per XXXXXX XX this has been approved to move forward . XXXX XXX Reviewer 02/11/2025 03:10 PM; |
02/11/2025 | B | 2 | XXXXXX | AZ | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1632590 | XXXX | XXXX | 7129479 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | Documents provided | Reviewer 02/10/2025 03:31 PM; file is missing credit and closing packages |
02/10/2025 | A | 1 | XXXXXX | NV | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1632590 | XXXX | XXXX | 7129203 | 7 | XXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | Please provide the initial application for proof of initial application date. | Information provided | 02/11/2025 | A | 1 | XXXXXX | NV | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1632590 | XXXX | XXXX | 7129204 | 29 | XXXXXX | Valuation | Appraisal | Appraisal - is missing | Please provide the appraisal for review. | Information provided | 02/11/2025 | A | 1 | XXXXXX | NV | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1632590 | XXXX | XXXX | 7129205 | 666 | XXXXXX | Credit | Sales Contract | Sales Contract - Compliance \ Sales Contract missing | Please provide the sales contract/purchase agreement. | Information provided | 02/11/2025 | A | 1 | XXXXXX | NV | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1632590 | XXXX | XXXX | 7129206 | 824 | XXXXXX | Credit | Title Policy | Title Policy - is missing. Final ALTA title policy required. | Please provide the XXXXXX policy. | Information provided | 02/11/2025 | A | 1 | XXXXXX | NV | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1632590 | XXXX | XXXX | 7129679 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory XXXXXX XXXXXX | received fraud reeport | 02/13/2025 | A | 1 | XXXXXX | NV | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1632727 | XXXXX | XXXXXX | 7129619 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Lease for unit XX XXXXXXX missing from file. XXXXXX in file is not for this property | Exception to move forward without a lease. XXXX market rent is higher than rents given per lease agreement. XXXXX factors: XXXXX rental history XXXXX over XX months reserve, XXXXX > XXXXXXX | 02/11/2025 | B | 2 | XXXXXX | CT | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1632727 | XXXXX | XXXXXX | 7129618 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXXX XXXXXX not permitted on XXXXXXX properties. | Compensating factors: XXXXX rental history XXXXX over XX months reserve, XXXXX > XXXXXX | 02/11/2025 | B | 2 | XXXXXX | CT | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1632765 | XXXXXX | XXXXXX | 7129792 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Borrowers with no primary housing rating not permitted. | Compensating factors: XXXX XXXX below max of XXXXX XXXXX XXXX above minimum of XXXXX XXX months reserve well above required of XX months | 02/13/2025 | B | 2 | XXXXXX | NY | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1632780 | XXXXX | XXXXXXX | 7130257 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 02/25/2025 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | B | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1632780 | XXXXX | XXXXXXX | 7130258 | 898 | XXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | Loan is failing XXX tolerance for the decrease in the XXXXXXX XXXXXXX on the XXXXXX XXX without a valid explanation. XXXXXX amount is XXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. | Information provided | 02/25/2025 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | B | A | C | A | A | A | Non-QM | 1 | |||||||
| 1632780 | XXXXX | XXXXXXX | 7130259 | 846 | XXXXXX | Compliance | Disclosure | Disclosure - Missing initial disclosure within 3 days of application | Need the XXXXX issued within XX days of XXXXX application date. | Information provided | 02/25/2025 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | B | A | C | A | A | A | Non-QM | 1 | |||||||
| 1632780 | XXXXX | XXXXXXX | 7130261 | 967 | XXXXXX | Credit | Compliance | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) | Need a XXXXX with corrected funding date on pg XX XXXX XX to be at least XX business days after closing date of XXXXXXX XXXXXXX or later). | Information provided | Reviewer 02/25/2025 08:06 AM; NO documentation has been provided |
02/25/2025 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | B | A | C | A | A | A | Non-QM | 1 | ||||||
| 1632832 | XXXXX | XXXXXXX | 7129778 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | Provide an appraisal review in accordance with XXXXXX XXXXXXX XXXXXX section XXXX | CU score XXXXX provided. XXXXXX XXXXX XXXXXXX by XXXX completed XXXXXX XXXXX XXXXX rating. | 02/14/2025 | A | 1 | XXXXXX | TX | 3 | 3 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1632854 | XXXXXX | XXXXXX | 7130106 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing dated loan approval document | Approval XXXXX provided. | 02/20/2025 | A | 1 | XXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1632891 | XXXXX | XXXXX | 7130023 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Missing exception approval for a borrower that is a XXXXX-time borrower purchasing a XXXXX investment property and is living rent free. | Exception approval granted for a borrower that is a XXXXX-time borrower purchasing a XXXXX investment property and is living rent free. XXXXX factors are XXXX XXXX XXXX of XXXXX with a cash investment of XXXXXXX using own funds XXXX XXXXX at XXXX XXXX XX months of post-closing XXXXX reserves. | 02/19/2025 | B | 2 | XXXXXX | NY | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1632913 | XXXXXX | XXXXXX | 7130070 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing dated loan approval document | Information provided and accepted | 02/21/2025 | A | 1 | XXXXXX | TX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1632913 | XXXXXX | XXXXXX | 7130072 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Missing two consecutive months statement from XXXXX XXXXX XXXXXXX confirming source of a XXXXX XXXX wire transfer to the title company for the purchase of the subject property. XXXXXX XXXXX indicates a balance of XXXX XXXXXX XXXX statements can also be utilized as an additional tradeline per guidelines). | Information provided | 02/21/2025 | A | 1 | XXXXXX | TX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1632913 | XXXXXX | XXXXXX | 7130180 | 998 | XXXXXX | Credit | UW Other | UW Other - UW - Title Commitment is missing or requires correction. | Title must provide written confirmation that the XXXX is acceptable and will be recorded concurrently with the security instrument, with a copy provided to XXXXXX | Email provided from the XXXXXX XXXX states XXXX is approved. | Reviewer 02/24/2025 11:40 AM; The title report received did not specifically state the XXXX is acceptable and will be recorded concurrently with the security instrument, with a copy provided to XXXXXX |
02/26/2025 | A | 1 | XXXXXX | TX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1632913 | XXXXXX | XXXXXX | 7129867 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | lock provided | 02/21/2025 | A | 1 | XXXXXX | TX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1632914 | XXXXX | XXXXX | 7130135 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing required full and complete fraud report | received fraud report with alerts cleared by lender | 02/20/2025 | A | 1 | XXXXXX | OK | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1632914 | XXXXX | XXXXX | 7130136 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Missing signed and dated approved XXXXX guideline exception for borrower that is a XXXXXX XXXXX XXXXXX and XXXXXX XXXXX XXXXXXX XXXXXX is a blank exception request form in the file however there is not any indication of XXXXX management approval. | Exception approved for a XXXXX with no rental history purchasing a XXXXXXX XXXXX XXXXX XXXXX XXXXXX XXXXXXX XXXX XXXXX XXXX XXXXXXX | Client 02/21/2025 11:58 AM; Exception from XXXXX has been uploaded. XXXXXXX clear Reviewer 02/21/2025 12:13 PM; |
02/21/2025 | B | 2 | XXXXXX | OK | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1633162 | XXXXX | XXXXX | 7130489 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXXX XXXXXX purchase of an investment property requires an XXXXX XXXXXXX not just XXXX and XXXXX limits. XXXXXX exception review requires a letter of explanation explaining why the borrower is choosing to continue as a renter vs buying a primary residence. | XXX has deemed there is no exception. XXXX guidelines used were the prevailing guides. | Client 02/25/2025 11:29 AM; XXX has deemed there is no exception. XXXX XXXXX XXXXXX XXXXX that is uploaded to support. XXXXXXX clear Reviewer 02/25/2025 11:58 AM; |
02/25/2025 | A | 1 | XXXXXX | NY | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1633166 | XXXXX | XXXXX | 7130331 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Missing exception approval for a XXXXXX XXXXX XXXXXX and a XXXXXX XXXXX XXXXX purchasing an investment property. | Approval granted for a XXXXXX XXXXX XXXX XXXXX XXXXX living rent free purchasing an investment property. XXXXX factors are XXXX XXXXX months reserves XXXX XXXXX score of XXXX and XXXX XXXXX of XXXXXXX | 02/22/2025 | B | 2 | XXXXXX | PA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1633207 | XXXXXX | XXXXXX | 7130461 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing dated final approval | Loan XXXXX provided XXXXX XXXXX | Client 02/27/2025 12:26 PM; approval date is listed on approval. please waive thank you Reviewer 02/27/2025 12:55 PM; Condition has been reviewed. XXX |
02/27/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1633207 | XXXXXX | XXXXXX | 7130462 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing the following documentation XXXX XXXXX of XXXXXX XXXX XXXX of XXXXX XXXXXX XXXX XXXX number for the entity | Received XXXX XXXXX of XXXXXX XXXX XXXX of XXXXX XXXXXX XXXX XXXX number for the entity | 02/26/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1633207 | XXXXXX | XXXXXX | 7130294 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Please provide the XXXXXX of XXXXX documents. | POA provided | 02/26/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1633207 | XXXXXX | XXXXXX | 7130295 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Lock XXXX | 02/26/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1633207 | XXXXXX | XXXXXX | 7130296 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Please provide the XXXXXX XXXXXXX of XXXX | Documents provided | 02/26/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1633207 | XXXXXX | XXXXXX | 7130491 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Certificate of XXXX XXXXXX to operate in the state other than where business is being performed ( XXX applicable). | Received florida XXX | 02/26/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1633207 | XXXXXX | XXXXXX | 7130492 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Guarantees on all XXXX with XXXX or more ownership | Received XXXX | 02/26/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1633855 | XXXXX | XXXXX | 7133235 | 7 | XXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | Please provide initial application for proof of initial application date. | Information provided | Client 03/17/2025 11:51 PM; Hello. XXX initially had borrowers sign a term sheet in leu of a loan application. XX have uploaded the inital term sheet along with the final XXXXXX property application form. XXXXX is not an agency loan, so please waive this condition. XXXXXX you. Reviewer 03/18/2025 08:30 AM; Reviewer 03/18/2025 12:08 PM; |
03/18/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633855 | XXXXX | XXXXX | 7133236 | 824 | XXXXXX | Credit | Title Policy | Title Policy - is missing. Final ALTA title policy required. | Please provide the title policy for review. | Information provided | 03/19/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1633855 | XXXXX | XXXXX | 7133238 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | 03/18/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1633855 | XXXXX | XXXXX | 7133239 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Please provide the lender''''s approval. | Information provided | 03/18/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1633855 | XXXXX | XXXXX | 7133324 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Provide XXXXX XXXXX XXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | received XXXXX XXXX | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible |
03/18/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633855 | XXXXX | XXXXX | 7133325 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Tax cert missing from file | Received tax cert XXXXXXX | 03/18/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1633855 | XXXXX | XXXXX | 7133326 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Loan XXXXX missing from file. | received loan approval | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible Reviewer 03/18/2025 09:42 AM; The document received did not include the terms of the loan approval (loan amount, interest rate term, and general conditions. |
03/18/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633855 | XXXXX | XXXXX | 7133328 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | FNMA XXX XXXXXX missing from file. XXX score is > XXXXXX XXXX required. | Received XXX | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible |
03/18/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633855 | XXXXX | XXXXX | 7133329 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Required if XXX score is > XXXX | Received XXX | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible |
03/18/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633855 | XXXXX | XXXXX | 7133331 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Fraud XXXXXXX missing from file. | received fraud report | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible Reviewer 03/18/2025 09:58 AM; Document received was a report from XXXXXXX and not considered a fraud report |
03/26/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633855 | XXXXX | XXXXX | 7133333 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | X complete months of asset statements required. XXXX asset verification in file appears to be a print screen. XXX does not have the name of the XXXX, address or account numbers. XXX days required for all foreign nationals. | received XXX days of foreign financial banking relationship | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible |
03/26/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633855 | XXXXX | XXXXX | 7133334 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Credit XXXXX for XXXX XXXXX not met. XXXXXXX XXXX XXXXXX require XXX XXXXXXX XXXX XXXXXX credit report, original credit letter from an internationally known financial institution or a XXXX statement documenting a foreign financial banking relationship for the past XXX days. | received XXX days of foreign financial banking relationship | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible |
03/26/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633855 | XXXXX | XXXXX | 7133336 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Verification of XXXXX XXXXX for XXXX in XXX and verification proof of sale and our XXXXX XXXXX owner was filled with the XXXXXX of XXXX XXXXXX XXXXXX pf the sale is in the file dated XXXXX XXXX documentation in file dated XXXXXX | Received XXXXXX XXXX verification of business XXXXXX | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible |
03/18/2025 | A | 1 | XXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633857 | XXXXXXX | XXXXXXX | 7133452 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | The following items are missing from the loan file XXXXX lock, XXXXX XXXXXX XXXXXX report, XXXXXX XXXXXX XXXXXX XXXXX statements - since we dont have a XXX credit report we need XX months statements from two foreign banks. XXXX credit review is on hold until documents are received. | Received rate lock, loan approval and final XXXXXXX XXXXX this deficiency and replacing wit h final review items | 03/14/2025 | A | 1 | XXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1633857 | XXXXXXX | XXXXXXX | 7133246 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | Client 03/14/2025 10:45 AM; Hello. XXX will need you to pull XXXXX and the fraud report. XXX pull XXXXXXX on the guarantors only and we do not do agency loans, so we are not set up with XXXXXXX XXXXXX this was a purchase transaction, so translated XXXX statements were provided for asset verification which can also be used for the credit history. XXXX the XXXXXX accounts that were provided in both XXXXXXX and XXXX for both accounts. XXXXXX you. Reviewer 03/14/2025 12:12 PM; Reviewer 03/14/2025 12:24 PM; Hello
 XXXXXXX will address and update.
 
 XXXXXX Reviewer 03/14/2025 01:16 PM; escalated for review |
03/14/2025 | A | 1 | XXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633857 | XXXXXXX | XXXXXXX | 7133794 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing required fraud report | received fraud report | 03/26/2025 | A | 1 | XXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1633857 | XXXXXXX | XXXXXXX | 7133796 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | Missing XXXXX XXXXX report with a score of XXXXX or below. XXX the score is over XXXXX then a desk review is required to confirm the appraisal market value of XXXXXXX | received desk review | 03/18/2025 | A | 1 | XXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1633857 | XXXXXXX | XXXXXXX | 7133797 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Missing XXXX statements for the past XXX days from XXXXXX XXXXXXX and XXXXXX XXXXXXX confirming the equivalent of XXXXX XXXX XXXXXXX and XXXXX XXXX XXXXXXX pre-closing assets of XXXXXX XXXX XXXX balances must be verified in XXXX equivalency at the current exchange rate via either XXX or the XXXX conversion table. XXXXX statements in any language other than XXXX must be translated into XXXXXX | Conversation transaction history provided | Reviewer 03/27/2025 10:35 AM; Documents provided that could be read were XX wires from borrower to title company - XXXX on XXXXX and XXXXX on XXXXXXX XXXXXX funds required for closing XXXXXXX XXXXX date XXXX Client 04/03/2025 11:35 AM; Please review all of the XXXX statements and translations that were uploaded to the portal on XXXX XXXX of the documents that were submitted are able to be opened and analyzed that XX see in your portal. XXXX names of the documents that XX uploaded all got changed to say XXXXX and a number only. XXXXX XX originally submitted them, they were all labeled as to which accounts, which transfers, the XXXXXXX statements as well as the translated statements. XXXXX nee Reviewer 04/03/2025 01:31 PM; Condition has been reviewed. XXX |
04/03/2025 | A | 1 | XXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633857 | XXXXXXX | XXXXXXX | 7133798 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Missing evidence that sufficient funds to close were on deposit with the XXXXXXX XXXXXX at least three business days prior to the closing date. | Wire confirmations provided. XXXX receipt for XXXXXXX (not wire) was after XXXXXXX XXXXXX XXXX was a XXXXXXX | Reviewer 03/27/2025 10:35 AM; XXXXXX provided that could be read were XX wires from borrower to title company - XXXX on XXXXX and XXXXX on XXXXXXX XXXXXX funds required for closing XXXXXXX XXXXX date XXXX |
04/03/2025 | A | 1 | XXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1633857 | XXXXXXX | XXXXXXX | 7133799 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing the following documentation regarding XXXX XX XXXXXXX XXXX XXXXXX XXX XXXXX XXXX XXXX of XXXXX XXXXX and XXXX XXXX of XXXX XXXXXX to operate in the state (if entity is formed in a state other that where business is being performed). | received XXXXX standing and XXXX document for business | 03/18/2025 | A | 1 | XXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1633857 | XXXXXXX | XXXXXXX | 7133800 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing acceptable guidelines documentation confirming the status of the borrower and coborrower as XXXX XXXXX | received passport | Reviewer 03/19/2025 10:35 AM; The document provided for XXXXX XXXXXXX XXXXXXX is not in english. XXXXXXX to identify as borrower''''s identification. |
03/25/2025 | A | 1 | XXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1634441 | XXXXXX | XXXXXX | 7133660 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Please provide the operating agreement/articles of incorporation. | Documentation provided | 03/18/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1634441 | XXXXXX | XXXXXX | 7133721 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Loan approval missing from file. | Received XXXX XXXXX XXXXX on approval | Reviewer 03/18/2025 05:41 PM; The loan approval received reflects loan type as conventional and full doc. XXXX loan is locked as XXXXX XXXX XXXXX and is not conventional Reviewer 03/19/2025 08:20 PM; The document received did not include the loan approval with doc type as XXXX XXXXX XXXX |
03/21/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1634441 | XXXXXX | XXXXXX | 7133722 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Photo XXX for XXXX required per guidelines - missing from file. | received photo XXX for XXX | 03/18/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1634441 | XXXXXX | XXXXXX | 7133724 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Written approval from title for XXXX required per guidelines - missing from file. | Received XXXX prepared by title law firm | 03/18/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1634441 | XXXXXX | XXXXXX | 7133725 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | EIN for XXXX missing from file. | received XXX | 03/18/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1634441 | XXXXXX | XXXXXX | 7133726 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Certificate of XXXXXX / XXXX of XXXXX required and missing from file. | Received XXXXX of XXXX | 03/18/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1634441 | XXXXXX | XXXXXX | 7133727 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Operating XXXXXX for XXXX missing from file. | received XX | 03/18/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1634441 | XXXXXX | XXXXXX | 7133728 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Guarantees on all XXXX with XXXX or more | received guarantee | 03/18/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1634987 | XXXXXX | XXXXXX | 7135437 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | The XXXXXX XXXXXXX XXXX of XXXXXX / XXXXX of XXXXXX XXXX of XXXXX XXXXXX XXXX XXXXXXX for the XXXX XXXXXX XXXXX in entity name signed by all guarantors are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 03/28/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1634987 | XXXXXX | XXXXXX | 7135361 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Please provide the operating agreement/articles of incorporation. | Document received | 03/31/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1634989 | XXXXXX | XXXXXX | 7135369 | 187 | XXXXXX | Credit | Flood Certificate | Flood Certificate - is missing. | Please provide the XXXXXX XXXXXX | Information provided | 03/31/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1636943 | XXXXXX | XXXXXX | 7136625 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | 04/16/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1636979 | XXXXXX | XXXXXX | 7136763 | 29 | XXXXXX | Valuation | Appraisal | Appraisal - is missing | Please provide the appraisal for review. | Information provided | 04/15/2025 | A | 1 | XXXXXX | NV | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1636979 | XXXXXX | XXXXXX | 7136961 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | The XXXXXXX XXXXXX credit reference per guidelines, and final signed XXX are missing from the loan file. XXXX credit review is on hold until documents are received. | Appraisal and XXX received | 04/15/2025 | A | 1 | XXXXXX | NV | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1636979 | XXXXXX | XXXXXX | 7137259 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing one of the following credit reference requirements for a XXXX XXXXX borrower XXXX XX XXX credit report with at least two tradelines with a minimum age of two years for one tradeline, or XXXX XXX international credit report, or XXXX XXX original credit reference letter from an internationally known financial institution. XXXXXX reference letter does not need to include details or payment histories of debt obligations located outside of the XXXX or XXXX XX XXXX statement documenting a foreign financial banking relationship for the past XXX days. XXXX XXXX balances must be verified in XXXX equivalency at the current exchange rate via either www.xe.com or the XXXX conversion table. XXXXX statements in any language other than XXXX must be translated into XXXXXX | Banks statements provided are from XXX account which is sufficient to meet XXX credit requirements | Reviewer 04/18/2025 08:42 AM; The document received was a XXXX statement from XXXXXX XXXXX with a XXXX XXXXXX address and did not clear any of the items requested. Client 04/19/2025 04:20 PM; banks statements uploaded are from XXX account which is sufficient to meet XXX credit requirements Reviewer 04/20/2025 07:51 PM; |
04/20/2025 | A | 1 | XXXXXX | NV | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1638961 | XXXXXX | XXXXXX | 7138569 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | Missing final XXXXXX report confirming that all construction has been completed | Received XXXXX | 05/02/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1638961 | XXXXXX | XXXXXX | 7138576 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XXXX of XXXXXXX of XXXXX for XXXX XXX | Received XXXXX of XXXXX for XXXX XXX | 05/02/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1638961 | XXXXXX | XXXXXX | 7138577 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XXXX number for XXXX XXX | Received XXX | 05/02/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1638961 | XXXXXX | XXXXXX | 7138578 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XXXX of XXXXX XXXXX for XXXX XXX | Received current XXXXXXX standing with XXX XXX | 05/02/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1638961 | XXXXXX | XXXXXX | 7138503 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | Please provide the operating agreement. | Information provided | 05/02/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1638961 | XXXXXX | XXXXXX | 7139330 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XXXXX signed by XXXXXX XXXX XXXXX XXXX owner of XXXX XXXXX XXX | Exception granted not to add additional member to the loan. XXXXX XXXXX XXXX XXXXX XXXXX XXXX | 05/09/2025 | B | 2 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1638961 | XXXXXX | XXXXXX | 7139331 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing signed and date XXXXX by XXXXXX XXXX XXXXXXX | Exception granted not to add additional member to the loan. XXXXX XXXXX XXXX XXXXX XXXXX XXXX | Client 05/08/2025 06:14 PM; Exception for added XXXXXX has been uploaded, please waive. Reviewer 05/09/2025 07:29 AM; |
05/09/2025 | B | 2 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1638961 | XXXXXX | XXXXXX | 7139332 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XXXXXX XXXXXXX XXXXXXX from XXXX XXXXX XXXX signed by all members confirming that XXXXXX XXXX XXXXXX as having the authority to execute the necessary loan documents for the XXX | LLC XXXXXX XXXXXX provided | 05/09/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1639275 | XXXXXX | XXXXXX | 7138846 | 1108 | XXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Provide a secondary valuation as XXX score is > XXXXXXX XXXXXXX score is XXXXXX | Received XXX | 05/06/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 |