Exception Grades
Run Date - 7/9/2025 4:35:29 PM
SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Loan Exception ID
Exception ID
Exception Date
Exception Type
Exception Category
Exception Subcategory
15E Category
Exception
Exception Detail
Exception Information
Compensating Factors
Compensating Factor Information
Applying Party
Follow-up Comments
Cleared Date
Cured Date
Waived Date
Exception Level Grade
DBRS Initial Exception Rating
DBRS Final Exception Rating
Fitch Initial Exception Rating
Fitch Final Exception Rating
Kroll Initial Exception Rating
Kroll Final Exception Rating
Moody's Initial Exception Rating
Moody's Final Exception Rating
S&P Initial Exception Rating
S&P Final Exception Rating
Note Date
Property State
Occupancy
Purpose
Exception Remediation
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
[Redacted]
[Redacted]
[Redacted]
1
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
    
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
2
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
    
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
3
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
    
05/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
4
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-05): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
5
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
    
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
6
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-05): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
7
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
    
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
8
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
    
05/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
9
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
    
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
9
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section [redacted] : Acceptable [redacted] title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the [redacted] endorsement or the [redacted]  (The loan is a [redacted] Section [redacted]  home equity loan.)
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
9
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan  (Other Debt)
[redacted] Constitution Section [redacted]  prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted] . Unable to determine purpose of additional debt secured by the homestead.
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
9
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) and/or (TX50(t))  No Title in the loan file or Title indicates other lien(s) exist
[redacted] Constitution Section [redacted] Title indicates there are other lien(s) that are not included in CLTV calculation. Unable to conclusively determine compliance with [redacted] CLTV limitation.
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
Confirm whether additional lien exists on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. If the other lien is a 50(a)(6), notify the consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead.  If the other lien is not a 50(a)(6), confirm the total CLTV does not exceed 80%, If the CLTV exceeds 80%, send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%.
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
10
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
    
05/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
11
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
    
05/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
12
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
    
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
13
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
14
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
15
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
16
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
17
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Investment
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
18
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Investment
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
19
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-05): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
20
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
21
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
22
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
22
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM
Self-Employed Tax Return Recency - ATR
Ability to Repay ([redacted] ): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted] ,  Most Recent Tax Return End Date [redacted]  Tax Return Due Date [redacted]
Missing most recent tax return.
              
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
23
XXX
    
Compliance
Compliance
Federal Compliance
Missing Non-Required Data
(Missing Data) Last Rate Set Date
Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.
                
2
B
B
B
B
B
B
B
B
B
B
  
DE
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
23
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted]  Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:[redacted]  Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of [redacted] exceeds tolerance of [redacted] .  Insufficient or no cure was provided to the borrower.
Title - Settlement / Closing / Escrow Fee was added on final CD and COC dated [redacted] does not provide a valid reason for adding the fee.  Please provide information as to what changed circumstance occurred (as defined under [redacted] that resulted in an increase in closing costs.
      
Reviewer Comment (2025-04-15): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.
 
 
Buyer Comment (2025-04-14): Shipping Label
 
 
Buyer Comment (2025-04-14): Check
 
 
Reviewer Comment (2025-04-10): SitusAMC received PCCD and LOE. Missing copy of refund check and proof of mailing. Please provide copy of refund check & proof of mailing to cure the exception.
 
 
Buyer Comment (2025-04-09): PCCD
 
 
Reviewer Comment (2025-04-07): SitusAMC received Changed Circumstance dated 03/07/2025, but it does not give sufficient information on why the Settlement fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.
 
 
Buyer Comment (2025-04-04): COC
 
 
Reviewer Comment (2025-04-02): SitusAMC: Title - Settlement / Closing / Escrow Fee was added on final CD and COC dated 03/07 does not provide a valid reason for adding the fee.  Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs.
 
  
04/15/2025
  
2
  
B
  
B
  
B
  
B
  
B
  
DE
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
24
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of [redacted] exceeds tolerance of [redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-20): Sufficient Cure Provided At Closing
 
  
03/20/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
25
XXX
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
Missing Document: Missing Final 1003
          
Reviewer Comment (2025-03-26): Provided and cleared.
 
 
Buyer Comment (2025-03-26): Final 1003 and PCCD
 
03/26/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OK
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
25
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]  disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of $[redacted]  and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]
The disclosed Amount Financed in the amount of [redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of[redacted]
      
Reviewer Comment (2025-04-17): SitusAMC received LOE, corrected PCCD, refund check, proof of delivery and rescission was re-opened.
 
 
Buyer Comment (2025-04-16): LOE
 
 
Reviewer Comment (2025-04-15): Received all other cure docs except copy of LOE sent to borrower notifying borrower of error.  Once received, Amount Financed, APR, and Finance Charge exceptions can be cured.
 
 
Buyer Comment (2025-04-14): RTC
 
 
Reviewer Comment (2025-04-04): SitusAMC received Corrected CD, copy of cure refund, proof of mailing and unexecuted RTC's.  However, missing copy of LOE to borrower which accompanies the Corrected CD and the proof of delivery was on 4-3-25, but the RTC's cancel by date was 4-4-25.  This did not allow 3 business day waiting period for consumers for reopening of rescission.  Provide the LOE and proof of reopening of rescission to all consumers.
 
 
Buyer Comment (2025-04-02): PCCD, Check, and RTC uploaded
 
 
Reviewer Comment (2025-03-28): Rescission would need to be re-opened for the material exceptions: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.
Transaction date must remain the same as loan transaction date and right to cancel expiration must be at least 3 business days after new signature date.
 
 
Buyer Comment (2025-03-28): Would a refund of $1050 and a PCCD with LOX to borrower, proof of delivery clear the exceptions on this loan?
 
  
04/17/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OK
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
25
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure APR
TILA-RESPA Integrated Disclosure - Loan Calculations:  APR of [redacted] % on Final Closing Disclosure provided on[redacted]  is under-disclosed from the calculated APR of [redacted]  outside of [redacted] tolerance.
APR of[redacted]% on Final Closing Disclosure provided on [redacted] is under-disclosed from the calculated APR of [redacted]% outside of [redacted]% tolerance.[redacted]
      
Reviewer Comment (2025-04-18): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.
 
 
Buyer Comment (2025-04-17): LOE uploaded
 
 
Reviewer Comment (2025-04-15): Received all other cure docs except copy of LOE sent to borrower notifying borrower of error.  Once received, Amount Financed, APR, and Finance Charge exceptions can be cured.
 
 
Reviewer Comment (2025-03-28): Rescission would need to be re-opened for the material exceptions: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.
Transaction date must remain the same as loan transaction date and right to cancel expiration must be at least 3 business days after new signature date.
 
 
Buyer Comment (2025-03-28): Would a refund of $1050 and a PCCD with LOX to borrower, proof of delivery clear the exceptions on this loan?
 
 
Reviewer Comment (2025-03-26): SitusAMC received rebuttal that initial CD & Final CD did not have a change over tolerance.  However, the issue relates to the Finance charge being underdisclosed and the APR was also underdisclosed by more than .125%.  Calculated APR XXX%.  Finance charge was underdisclosed by $1050.
 
 
Buyer Comment (2025-03-25): LOE uploaded
 
  
04/18/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OK
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
25
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $[redacted]  is under disclosed by [redacted]  compared to the calculated Finance Charge of [redacted]  which exceeds the $[redacted]  threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]
The disclosed Finance Charge in the amount of [redacted]is under disclosed by $[redacted] compared to the calculated Finance Charge of [redacted]
      
Reviewer Comment (2025-04-17): SitusAMC received LOE, corrected PCCD, refund check, proof of delivery and rescission was re-opened.
 
 
Buyer Comment (2025-04-17): LOE uploaded
 
 
Reviewer Comment (2025-04-15): Received all other cure docs except copy of LOE sent to borrower notifying borrower of error.  Once received, Amount Financed, APR, and Finance Charge exceptions can be cured.
 
 
Reviewer Comment (2025-03-28): Rescission would need to be re-opened for the material exceptions: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.
Transaction date must remain the same as loan transaction date and right to cancel expiration must be at least 3 business days after new signature date.
 
 
Buyer Comment (2025-03-28): Would a refund of $1050 and a PCCD with LOX to borrower, proof of delivery clear the exceptions on this loan?
 
  
04/17/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OK
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
26
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender)
[redacted] Constitution Section [redacted] : Acknowledgment of the Fair Market Value not properly executed by the Lender.
        
Reviewer Comment (2025-03-31): Provided and cleared.
 
 
Buyer Comment (2025-03-31): acknowledgement uploaded
 
03/31/2025
    
1
C
A
C
A
C
A
C
A
D
A
  
TX
Primary
Refinance - Cash-out - Other
To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required.
D
A
A
A
D
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
26
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Fannie Mae forms not used for closing of home equity loan)
[redacted] Constitution Section [redacted] :  [redacted] forms not used for closing of home equity loan.
        
Reviewer Comment (2025-04-08): FMNA testing turned off
 
04/08/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
TX
Primary
Refinance - Cash-out - Other
The failure to use FNMA Documents does not present a clear remediation path.
D
A
A
A
D
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
26
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure:[redacted]  Tolerance exceeded for Attorney's Fee (Closing Agent and Other).  Fee Amount of[redacted]  exceeds tolerance of [redacted]   Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-25): Sufficient Cure Provided At Closing
 
  
03/25/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
D
A
A
A
D
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
26
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted]  is over disclosed by [redacted]  compared to the calculated Amount Financed of $[redacted]  and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]
Final Closing Disclosure reflects amount financed of $[redacted] but calculated amount financed is $[redacted].Variance = [redacted]
      
Reviewer Comment (2025-04-09): SitusAMC received lender attestation that title-tax cert was a one time fee
 
 
Buyer Comment (2025-04-08): LOE uploaded
 
04/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
D
A
A
A
D
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
26
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]  disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of[redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted]  which exceeds the [redacted]  threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]
Final Closing Disclosure reflects Finance Charge of [redacted] but calculated Finance Charge of [redacted]
      
Reviewer Comment (2025-04-09): SitusAMC received lender attestation that title-tax cert was a one time fee
 
04/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
D
A
A
A
D
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
27
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Projected Mortgage Insurance Paystream [redacted]
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]  disclosed a '-' in the initial payment stream.
Projected payment shows a "-" for mortgage insurance.
      
Reviewer Comment (2025-04-08): Cure docs provided.
 
 
Buyer Comment (2025-04-08): PCCD
 
 
Reviewer Comment (2025-04-03): PCCD still has dash for MI, should be zero.  Exception remains.
 
 
Buyer Comment (2025-04-03): PCCD uploaded
 
 
Reviewer Comment (2025-03-31): Trailing docs not relevant to this exception.  LOE from seller re: escrows not acquired - please provide PCCD showing non-escrowed tax and insurance costs on pg. 1 and 4 in order to cure those exceptions.  In order to cure this exception, please provide PCCD with a zero instead of a dash for mortgage insurance in payment stream on pg. 1.
 
 
Buyer Comment (2025-03-31): CIC and LOE uploaded
 
  
04/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OK
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
27
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] are underdisclosed
Non-escrowed tax and insurance costs not properly disclosed on page [redacted] of [redacted] of Final CD.
      
Reviewer Comment (2025-04-03): Cure docs provided.
 
  
04/03/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OK
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
27
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[redacted]  incorrectly disclosed whether the loan will have an escrow account.
Final CD does not disclose reason why loan will not have an escrow account.
      
Reviewer Comment (2025-04-03): Cure docs provided.
 
  
04/03/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OK
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
27
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]  disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan.
Non-escrowed tax and insurance costs not properly disclosed on page [redacted] of [redacted] of Final CD.
      
Reviewer Comment (2025-04-03): Cure docs provided.
 
  
04/03/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OK
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
27
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted]  Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted]  Fee Tolerance exceeded for Survey Fee.  Fee Amount of $[redacted] exceeds tolerance of [redacted] .  Insufficient or no cure was provided to the borrower.
Fee added on Revised LE issued [redacted] with no valid Change of Circumstances evident. No cure was provided to the Borrower.
      
Reviewer Comment (2025-04-09): SitusAMC received LOX stating survey was required by title.
 
 
Buyer Comment (2025-04-08): LOE
 
 
Reviewer Comment (2025-04-07): SitusAMC is unable to determine from the file whether the lender or title company required the survey.  If the lender required, the survey fee then a cure is due to the borrower.  If the borrower-chosen service provider further outsourced the Survey Fee, an attestation from the seller is needed.  The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.
 
 
Buyer Comment (2025-04-04): CIC
 
 
Reviewer Comment (2025-03-31): Trailing CIC dated 3/18/25 for survey fee, however survey fee was added to 3/14/25 CD.  Exception remains.
 
04/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OK
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
27
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted]  Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:[redacted]  Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $[redacted]  exceeds tolerance of $[redacted] .  Insufficient or no cure was provided to the borrower.
Fee increased on CD issued [redacted] with no valid Change of Circumstances evident. No cure was provided to borrower.
      
Reviewer Comment (2025-04-18): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.
 
 
Buyer Comment (2025-04-17): Check and tracking
 
 
Reviewer Comment (2025-04-17): SitusAMC received Post CD and LOX. However, we would still require Copy of refund check in order to cure the exception.
 
 
Buyer Comment (2025-04-16): A total cure of $230 was provided. $225 for the amount financed, and $5 for the transfer fee cure.
 
 
Reviewer Comment (2025-04-16): SitusAMC received PCCD and LOE, but no cure or correction provided for transfer taxes. The transfer tax fee was increased on final CD from $125 to $130 for which no COC was provided in file. Provide Cure Docs for $5 for increased in transfer tax.
 
 
Buyer Comment (2025-04-15): Check and Shipping label
 
 
Reviewer Comment (2025-04-15): SitusAMC received PCCD and LOE, but no cure or correction provided for transfer taxes. The transfer tax fee was increased on final CD from $125 to $130 for which no COC was provided in file. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure will be required.
 
 
Buyer Comment (2025-04-14): PCCD and LOE uploaded
 
 
Buyer Comment (2025-04-11): 3/18 CIC already uploaded
 
  
04/18/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OK
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
27
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]  disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]  is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted]  and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]
The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted]
      
Reviewer Comment (2025-04-25): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.
 
 
Buyer Comment (2025-04-24): RTC uploaded
 
 
Reviewer Comment (2025-04-21): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosusre and proof of mailing.  As this is a material disclosure violation on a rescindable transaction, must provide proof of reopening of rescission to all consumers to finalize the cure requirements.
 
 
Buyer Comment (2025-04-18): Checking and tracking were provided.
 
 
Reviewer Comment (2025-04-15): SitusAMC has received Corrected CD and LOE to borrower.  Missing copy of cure refund for total underdisclosure of at least $225 and proof of mailing to finalize cure requirements.
 
 
Buyer Comment (2025-04-11): 3/18 CIC already uploaded
 
04/25/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OK
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
27
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of [redacted]  is under disclosed by [redacted]  compared to the calculated Finance Charge of [redacted]  which exceeds the [redacted]  threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]
The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted]
      
Reviewer Comment (2025-04-25): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.
 
 
Buyer Comment (2025-04-25): RTC uploaded
 
 
Reviewer Comment (2025-04-21): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosusre and proof of mailing.  As this is a material disclosure violation on a rescindable transaction, must provide proof of reopening of rescission to all consumers to finalize the cure requirements.
 
 
Buyer Comment (2025-04-18): Checking and tracking were provided.
 
 
Reviewer Comment (2025-04-15): SitusAMC has received Corrected CD and LOE to borrower.  Missing copy of cure refund for total underdisclosure of at least $225 and proof of mailing to finalize cure requirements.
 
 
Buyer Comment (2025-04-11): 3/18 CIC already uploaded
 
04/25/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OK
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
29
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Property Costs Year [redacted] Underdisclosed - [redacted] [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of  on Final Closing Disclosure provided on [redacted]  are underdisclosed
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-04-04): Cure docs provided.
 
 
Buyer Comment (2025-04-04): PCCD and LOX
 
  
04/04/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
MA
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
29
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]  disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan.
        
Reviewer Comment (2025-04-04): Cure docs provided.
 
  
04/04/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
MA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
29
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose Estimated Property Costs over Year [redacted] for loan with no escrow account established.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-04-04): Cure docs provided.
 
  
04/04/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
MA
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
29
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]  incorrectly disclosed whether the loan will have an escrow account.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-04-04): Cure docs provided.
 
  
04/04/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
MA
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
30
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]  incorrectly disclosed whether the loan will have an escrow account.
Reason for no escrows not selected on pg. [redacted] of final CD.
      
Reviewer Comment (2025-04-08): Cure docs provided.
 
 
Buyer Comment (2025-04-08): PCCD and LOE uploaded
 
  
04/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OH
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
30
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of [redacted]  exceeds tolerance of [redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
[redacted] Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-04-01): Sufficient Cure Provided At Closing
 
  
04/01/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
30
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Overtime Bonus Declining
Qualified Mortgage ([redacted] ): Use of continual decline in income for Overtime/Bonus not justified or documented.
[redacted]due to missing loan designation, compliance report not provided.
      
Reviewer Comment (2025-04-07): Provided and cleared.
 
04/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
30
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Unknown Loan Designation Test
Ability to Repay / Qualified Mortgage ([redacted] ): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is Non QM.
[redacted]due to missing loan designation, compliance report not provided.
      
Reviewer Comment (2025-04-07): Provided and cleared.
 
 
Buyer Comment (2025-04-07): compliance report
 
04/07/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
30
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM DTI
Qualified Mortgage [redacted] ): Total Debt to Income Ratio exceeds [redacted] and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.
[redacted]due to missing loan designation, compliance report not provided.
      
Reviewer Comment (2025-04-07): Provided and cleared.
 
04/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
31
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
The verification of employment is required and was not found in file.
  
Missing [redacted]day VOE from Home Depot.
      
Reviewer Comment (2025-04-14): After further review, exception cleared.
 
 
Buyer Comment (2025-04-14): Per sellers: Income was not used to qualify. Please waive.
 
 
Reviewer Comment (2025-04-04): Exception is for B1 VOE from Home Depot within 10 business day of note.  Trailing docs do not contain a VOE, exception remains.
 
 
Buyer Comment (2025-04-04): Income
 
04/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ID
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
32
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-04-08): Cure docs provided.
 
 
Buyer Comment (2025-04-08): PCCD uploaded
 
  
04/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
32
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Property Costs Year  [redacted] Underdisclosed - [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year  [redacted] of  on Final Closing Disclosure provided on [redacted]  are underdisclosed
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-04-08): Cure docs provided.
 
  
04/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
32
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year  [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose Estimated Property Costs over Year [redacted] for loan with no escrow account established.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-04-08): Cure docs provided.
 
  
04/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
32
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]  incorrectly disclosed whether the loan will have an escrow account.
Reason for no escrows not selected on pg. [redacted] of final CD.
      
Reviewer Comment (2025-04-08): Cure docs provided.
 
  
04/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
32
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of[redacted]  exceeds tolerance of [redacted]  Sufficient or excess cure was provided to the borrower at Closing.
[redacted] Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of [redacted]exceeds tolerance of[redacted]Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-04-02): Sufficient Cure Provided At Closing
 
  
04/02/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
33
XXX
    
Compliance
Loan Package Documentation
Application / Processing
Missing, Incorrect, or Incomplete Final or Initial 1003
Missing Document: Missing Lender's Initial 1003
                  
2
B
B
B
B
B
B
B
B
B
B
  
NJ
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
33
XXX
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - List of Homeownership Counseling Organizations Missing
RESPA Disclosure Rule ([redacted] ): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
NJ
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
33
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Partial Payments
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]  incorrectly disclosed whether the loan allows for Partial Payments.
No selection made for partial payments on pg.  [redacted] of final CD.
      
Reviewer Comment (2025-04-07): Provided and cleared.
 
 
Buyer Comment (2025-04-07): CD
 
04/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
33
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[redacted] incorrectly disclosed whether the loan will have an escrow account.
Reason for no escrows not selected on pg.  [redacted] of final CD.
      
Reviewer Comment (2025-04-07): Provided and cleared.
 
 
Buyer Comment (2025-04-07): CD
 
04/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
33
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] t Fee Tolerance exceeded. Total amount of [redacted]  exceeds tolerance of [redacted]  plus [redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
Loan Estimate does not reflects fees in  [redacted], [redacted] &  [redacted] section.
      
Reviewer Comment (2025-04-02): Sufficient Cure Provided At Closing
 
  
04/02/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
33
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of [redacted]  exceeds tolerance of [redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
Loan Estimate does not reflects fees in  [redacted], [redacted] &  [redacted] section.
      
Reviewer Comment (2025-04-02): Sufficient Cure Provided At Closing
 
  
04/02/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
33
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure:[redacted]  Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of [redacted]  exceeds tolerance of [redacted]   Sufficient or excess cure was provided to the borrower at Closing.
Loan Estimate does not reflects fees in  [redacted], [redacted] &  [redacted] section.
      
Reviewer Comment (2025-04-02): Sufficient Cure Provided At Closing
 
  
04/02/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
33
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure:[redacted]  Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of [redacted] exceeds tolerance of [redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
Loan Estimate does not reflects fees in  [redacted], [redacted] &  [redacted] section.
      
Reviewer Comment (2025-04-02): Sufficient Cure Provided At Closing
 
  
04/02/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
33
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure:[redacted] t Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of [redacted]  exceeds tolerance of [redacted]   Sufficient or excess cure was provided to the borrower at Closing.
Loan Estimate does not reflects fees in  [redacted], [redacted] &  [redacted] section.
      
Reviewer Comment (2025-04-02): Sufficient Cure Provided At Closing
 
  
04/02/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
33
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of [redacted] exceeds tolerance of [redacted]   Sufficient or excess cure was provided to the borrower at Closing.
Loan Estimate does not reflects fees in  [redacted], [redacted] &  [redacted] section.
      
Reviewer Comment (2025-04-02): Sufficient Cure Provided At Closing
 
  
04/02/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
33
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
Notice of Right to Cancel Missing
Truth in Lending Act: Notice of Right to Cancel was not provided.
        
Reviewer Comment (2025-04-08): Provided and cleared.
 
 
Buyer Comment (2025-04-08): RTC
 
04/08/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
34
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]  disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-04-08): Cure docs provided.
 
 
Buyer Comment (2025-04-08): PCCD and LOE uploaded
 
  
04/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
34
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Property Costs Year [redacted] Underdisclosed - [redacted] [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of  on Final Closing Disclosure provided on[redacted] are underdisclosed
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-04-08): Cure docs provided.
 
  
04/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
34
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]  did not disclose Estimated Property Costs over Year [redacted] for loan with no escrow account established.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-04-08): Cure docs provided.
 
  
04/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
34
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]  incorrectly disclosed whether the loan will have an escrow account.
Reason for no escrows not selected on pg. [redacted] of final CD.
      
Reviewer Comment (2025-04-08): Cure docs provided.
 
  
04/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
35
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted]  not received by borrower at least [redacted] ([redacted]) business days prior to closing.
LE issued [redacted] missing evidence of receipt. Presumed [redacted] delivery date would not have been at least [redacted] business days prior to consummation on [redacted]
      
Reviewer Comment (2025-04-08): Provided and cleared.
 
 
Buyer Comment (2025-04-08): LE disclosure
 
04/08/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
LA
Primary
Refinance - Cash-out - Other
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
35
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]  disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan.
Non-escrowed tax and insurance costs not properly disclosed on page [redacted] of [redacted] of Final CD.
      
Reviewer Comment (2025-04-09): Cure docs provided.
 
 
Buyer Comment (2025-04-09): PCCD and LOX uploaded
 
  
04/09/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
LA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
35
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Property Costs Year [redacted]  Underdisclosed - [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted]  of  on Final Closing Disclosure provided on [redacted]  are underdisclosed
Non-escrowed tax and insurance costs not properly disclosed on page [redacted] of [redacted] of Final CD.
      
Reviewer Comment (2025-04-09): Cure docs provided.
 
  
04/09/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
LA
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
35
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose Estimated Property Costs over Year [redacted]  for loan with no escrow account established.
Non-escrowed tax and insurance costs not properly disclosed on page [redacted] of [redacted] of Final CD.
      
Reviewer Comment (2025-04-09): Cure docs provided.
 
  
04/09/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
LA
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
35
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]  incorrectly disclosed whether the loan will have an escrow account.
Final CD page [redacted] does not disclose reason why loan will not have an escrow account.
      
Reviewer Comment (2025-04-09): Cure docs provided.
 
  
04/09/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
LA
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
37
XXX
    
Credit
Disclosure
Missing Document
Disclosure
E-sign Consent Agreement is missing.
          
Reviewer Comment (2025-04-08): Provided
 
 
Buyer Comment (2025-04-08): Esign consent uploaded
 
04/08/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
B
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
37
XXX
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - List of Homeownership Counseling Organizations Missing
RESPA Disclosure Rule ([redacted]: Creditor did not provide List of Homeownership Counseling Organizations to borrower.
List of Homeownership Counseling Organizations document is missing.
      
Reviewer Comment (2025-04-08): Provided
 
04/08/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
B
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
37
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]Tolerance exceeded for AVM Fee.  Fee Amount of $[redacted]exceeds tolerance of [redacted]  Sufficient or excess cure was provided to the borrower at Closing.
Need COC for the same.
      
Reviewer Comment (2025-04-04): Sufficient Cure Provided At Closing
 
  
04/04/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
C
A
B
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
38
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Appraisal Fee was disclosed on initial Loan estimate as [redacted] but disclosed on final Closing Disclosure[redacted] File does not contain a valid COC for this fee, nor evidence of cure is provided in file.
      
Reviewer Comment (2025-04-16): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
 
 
Buyer Comment (2025-04-15): PCCD package uploaded
 
04/16/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
42
XXX
    
Credit
Insurance
Insurance Analysis
Insurance
Insurance address does not match Note address.
  
Location of Property Insured:[redacted]vs. Note Address: [redacted]
      
Reviewer Comment (2025-04-11): Both come up on USPS lookup.
 
 
Buyer Comment (2025-04-11): usps zipcode search recognizes both cities with that zipcode
 
04/11/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WI
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
43
XXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
  
Missing Lease Agreement to support $[redacted] gross rents State St additional property owned to offset $[redacted] PITI and create a net[redacted] net income used to qualify.
      
Reviewer Comment (2025-04-17): Provided and cleared.
 
 
Buyer Comment (2025-04-17): please see attachments 1008 - URLA - LEASES TOTAL 1,550.00
 
04/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WI
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
43
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
[redacted] finding due unable to missing lease for investment property.
      
Reviewer Comment (2025-04-17): Provided and cleared.
 
04/17/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
WI
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
43
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - REO [redacted]  Method
General QM: Unable to verify Real Estate Owned income ([redacted]using reasonably reliable third-party records.
        
Reviewer Comment (2025-04-17): Provided and cleared.
 
04/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WI
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
44
XXX
    
Compliance
Compliance
State Compliance
State Defect
[redacted]
[redacted] Predatory Lending Database Program [redacted] - Certificate of Compliance or Exemption not attached to mortgage for recording.
Certificate of Compliance or Exemption not attached to mortgage for recording.
      
Reviewer Comment (2025-04-15): Provided and cleared.
 
 
Buyer Comment (2025-04-15): exempt cert
 
04/15/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IL
Primary
Refinance - Cash-out - Home Improvement
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
44
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Loan Estimate Timing Electronically Provided
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] ([redacted] ) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.
Initial LE e-signed [redacted] but earliest e-consent in file dated [redacted].
      
Reviewer Comment (2025-04-15): Provided and cleared.
 
 
Buyer Comment (2025-04-15): consent 2.13
 
04/15/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IL
Primary
Refinance - Cash-out - Home Improvement
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
48
XXX
    
Compliance
Compliance
Federal Compliance
TRID
ECOA Appraisal Disclosure - ECOA Timing
ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted]  days of the loan application date.
Loan application date is [redacted], right to receive a copy of the Appraisal Disclosure received on[redacted], which is more than within the required [redacted]  business days of application.
      
Reviewer Comment (2025-04-14): Provided and cleared.
 
04/14/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
48
XXX
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - List of Homeownership Counseling Organizations Missing
RESPA Disclosure Rule ([redacted]: Creditor did not provide List of Homeownership Counseling Organizations to borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
48
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Loan Estimate Timing Electronically Provided
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.
Loan Estimate was not delivered to borrower within the required [redacted]  days of application.
      
Reviewer Comment (2025-04-14): Provided and cleared.
 
 
Buyer Comment (2025-04-14): le
 
04/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
49
XXX
    
Compliance
Loan Package Documentation
Application / Processing
Missing, Incorrect, or Incomplete Final or Initial 1003
Missing Document: Missing Lender's Initial 1003
                  
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
49
XXX
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
          
Reviewer Comment (2025-04-16): Provided and cleared.
 
04/16/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
49
XXX
    
Credit
Title
General
Title
Original Loan Amount exceeds [redacted]  and title evidence is not Final or Commitment. Set Exception.
          
Reviewer Comment (2025-04-16): Provided and cleared.
 
 
Buyer Comment (2025-04-16): Title policy uploaded
 
 
Reviewer Comment (2025-04-14): Title evidence in file is a preliminary report with a one page supplement that does NOT provide coverage/policy amount.  Exception remains.
 
 
Buyer Comment (2025-04-14): There is a full title policy uploaded
 
04/16/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
49
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Tolerance exceeded for Property Inspection Fee.  Fee Amount of $[redacted] exceeds tolerance of [redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-04-09): Sufficient Cure Provided At Closing
 
  
04/09/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
50
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Tolerance exceeded for Transfer Tax.  Fee Amount of $[redacted]exceeds tolerance of[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
Cure amount provided on final CD, file does not contain a valid COC for this fee, nor evidence of cure in file.
      
Reviewer Comment (2025-04-09): Sufficient Cure Provided At Closing
 
  
04/09/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
52
XXX
    
Compliance
Compliance
State Compliance
State Defect
[redacted]
[redacted] Predatory Lending Database Program [redacted] - Certificate of Compliance or Exemption not attached to mortgage for recording.
        
Reviewer Comment (2025-04-15): Provided and cleared.
 
 
Buyer Comment (2025-04-15): IL doc uploaded
 
04/15/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IL
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
53
XXX
    
Compliance
Loan Package Documentation
Application / Processing
Missing, Incorrect, or Incomplete Final or Initial 1003
Missing Document: Missing Lender's Initial 1003
                  
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
53
XXX
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - List of Homeownership Counseling Organizations Missing
RESPA Disclosure Rule [redacted]: Creditor did not provide List of Homeownership Counseling Organizations to borrower.
              
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
57
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan.
Error on page [redacted]  of the  final CD: You declined it checkbox not selected.
      
Reviewer Comment (2025-04-22): Cure docs provided.
 
 
Buyer Comment (2025-04-22): PCCD
 
  
04/22/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IL
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
57
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted]  of  on Final Closing Disclosure provided on [redacted] are underdisclosed
Error on page [redacted]  of the  final CD: You declined it checkbox not selected.
      
Reviewer Comment (2025-04-22): Cure docs provided.
 
 
Buyer Comment (2025-04-22): PCCD
 
  
04/22/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IL
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
57
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose Estimated Property Costs over Year [redacted]  for loan with no escrow account established.
Subject transaction is not escrowed and page [redacted]  borrower did not select You declined it  or Your lender does not offer one option.
      
Reviewer Comment (2025-04-22): Cure docs provided.
 
 
Buyer Comment (2025-04-22): PCCD in file
 
  
04/22/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IL
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
57
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account.
Error on page [redacted]  of the  final CD: You declined it checkbox not selected.
      
Reviewer Comment (2025-04-22): Cure docs provided.
 
 
Buyer Comment (2025-04-22): PCCD in file
 
  
04/22/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IL
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
60
XXX
    
Credit
Title
General
Title
Original Loan Amount exceeds [redacted]  and title evidence is not Final or Commitment. Set Exception.
Title Evidence:  ___;
Original Loan Amount: ___
Only have prelim title report in file and loan amt. exceeds [redacted]
      
Reviewer Comment (2025-04-22): Provided and cleared.
 
 
Buyer Comment (2025-04-22): title
 
 
Reviewer Comment (2025-04-20): Title evidence in file is considered preliminary, trailing supplement does not change.  Guides require either title commitment or final policy.
 
 
Buyer Comment (2025-04-18): is this ok or do we need the complete title
 
04/22/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
60
XXX
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
Title Evidence: ___
        
Reviewer Comment (2025-04-22): Provided and cleared.
 
04/22/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
61
XXX
    
Credit
Credit
Credit Documentation
Credit
No evidence of fraud report in file
          
Reviewer Comment (2025-04-17): Provided and cleared.
 
 
Buyer Comment (2025-04-17): fraud report
 
04/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
62
XXX
    
Compliance
Loan Package Documentation
Application / Processing
Missing, Incorrect, or Incomplete Final or Initial 1003
Missing Document: Missing Lender's Initial 1003
                  
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
62
XXX
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - List of Homeownership Counseling Organizations Missing
RESPA Disclosure Rule ([redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
        
Reviewer Comment (2025-04-18): Provided on e consent
 
04/18/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
62
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure:[redacted]Tolerance exceeded for Property Inspection Fee.  Fee Amount of $[redacted] exceeds tolerance of [redacted].  Sufficient or excess cure was provided to the borrower at Closing.
Property Inspection Fee was disclosed on initial Loan estimate as $[redacted] but disclosed on final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file.
      
Reviewer Comment (2025-04-15): Sufficient Cure Provided At Closing
 
  
04/15/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
64
XXX
    
Compliance
Loan Package Documentation
Application / Processing
Missing, Incorrect, or Incomplete Final or Initial 1003
Missing Document: Missing Lender's Initial 1003
                  
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
64
XXX
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - List of Homeownership Counseling Organizations Missing
RESPA Disclosure Rule ([redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
64
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID[redacted] Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted]Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of [redacted] exceeds tolerance of[redacted]  Insufficient or no cure was provided to the borrower.
[redacted] Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]without a valid change of circumstance. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-04-21): Provided and cleared.
 
 
Buyer Comment (2025-04-21): CD, CIC, and Acknowledgement uploaded
 
04/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
64
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Unknown Loan Designation Test
Ability to Repay / Qualified Mortgage ([redacted]): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is Non QM.
Unable to determine loan designation, file is missing Compliance report.
      
Reviewer Comment (2025-04-21): Provided and cleared.
 
 
Buyer Comment (2025-04-21): Compliance report
 
04/21/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
65
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow.
Page [redacted] of CD discloses hazard insurance to be escrowed, however page [redacted] does not disclose escrows collected for hazard insurance.
      
Reviewer Comment (2025-04-28): Cure docs provided.
 
 
Buyer Comment (2025-04-25): pccd
 
  
04/28/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
65
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Property Taxes Included In Escrow
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether property taxes are included in escrow.
Page [redacted] of CD discloses property taxes to be escrowed, however page [redacted] does not disclose escrows collected for property taxes.
      
Reviewer Comment (2025-04-28): Cure docs provided.
 
  
04/28/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
66
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-04-21): Sufficient Cure Provided At Closing
 
  
04/21/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
67
XXX
    
Compliance
Loan Package Documentation
Application / Processing
Missing, Incorrect, or Incomplete Final or Initial 1003
Missing Document: Missing Lender's Initial 1003
                  
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
71
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Automated Underwriting Fee.  Fee Amount of [redacted] exceeds tolerance of $[redacted]  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing
 
  
04/24/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
72
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-13): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
73
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-14): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
74
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope
      
Reviewer Comment (2025-05-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
75
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-13): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
75
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
  
Approval is not provided in file
      
Reviewer Comment (2025-05-14): Approval provided. Exception is clear.
 
 
Seller Comment (2025-05-14): Approval uploaded
 
05/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
75
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage ([redacted]): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Verification of [redacted] Loan Designation was not provided.
      
Reviewer Comment (2025-05-14): Approval provided. Exception is clear.
 
 
Seller Comment (2025-05-14): Approval uploaded
 
05/14/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
MA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
75
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Loan Approval
General QM: Missing loan approval; General QM testing is incomplete.
Loan approval is not provided in file
      
Reviewer Comment (2025-05-14): Approval provided. Exception is clear.
 
 
Seller Comment (2025-05-14): Approval uploaded
 
05/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
76
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
77
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
78
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-13): "Client acknowledges exception, which is informational only and does not impact grading.''
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
79
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-13): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
80
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-13): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
81
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens.
      
Reviewer Comment (2025-05-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
AR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
82
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
83
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
  
No evidence of an Approval for this file
      
Reviewer Comment (2025-05-14): Approval provided. Exception is clear.
 
 
Seller Comment (2025-05-14): Approval uploaded
 
05/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
83
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This is transaction error and outside of scope with the exception of specifically enumerated components.
      
Reviewer Comment (2025-05-13): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
84
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-13): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
84
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-05-14): Approval provided. Exception is clear.
 
 
Seller Comment (2025-05-14): APPROVAL UPLOADED
 
05/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
VA
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
85
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens.
      
Reviewer Comment (2025-05-14): "Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
86
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-14): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
87
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-14): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
88
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
DE
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
88
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan [redacted]  Test
[redacted]HPML appraisal Rule ([redacted]): Safe Harbor requirements not satisfied.
                
2
B
B
B
B
B
B
B
B
B
B
  
DE
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
89
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-14): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
90
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
AVM is acceptable.
      
Reviewer Comment (2025-05-14): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
91
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-14): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
92
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-14): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
93
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
  
Approval not provided in file.
      
Reviewer Comment (2025-05-16): Approval provided. Exception is clear.
 
 
Seller Comment (2025-05-16): Approval Attached
 
05/16/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NH
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
93
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
    
Reviewer Comment (2025-05-15): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/15/2025
3
A
A
A
A
A
A
A
A
A
A
  
NH
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
94
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-15): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/15/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
95
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-14): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
96
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-15): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/15/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
97
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-14): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
98
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section Completed Unable to submit file due to validation: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
98
XXX
    
Credit
Guideline
Guideline Issue
Guideline
Borrower has been on current job less than  [redacted] years, and prior employment history was not documented as required.
  
B2 VOE completed within  [redacted] days of the Note was not provided.
      
Reviewer Comment (2025-05-16): Employment has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-16): VOE screen uploaded
 
05/16/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
98
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-15): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/15/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
98
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Proof of continuance for pension income derived from  [redacted] was not provided as required by guidelines.
      
Reviewer Comment (2025-05-19): Income documentation has been updated. Exception is clear.
 
 
Seller Comment (2025-05-16): PG 702 $ 2139 is B1s pension income . Please be more specific  as to what section you are looking at on the 1003.
 
 
Reviewer Comment (2025-05-16): The Final 1003 reflects this income as pension income. A revised 1003 is required. Additionally, documentation requirements have not been met for self-employment income. Guidelines require most recent 1 one business and personal returns if business is greater than 5 years, two years business and personal returns if less than five years. Business returns as well as third party verification of business has not been provided.
 
 
Seller Comment (2025-05-16): INVALID XXXX Pension Income was not used. Self Employed income was used for XXXX  we have 2022 & 2023 1099-NEC on pages 611-612.
 
05/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
98
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML 2014 Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of  [redacted] or Final Disclosure APR of  [redacted] is equal to or greater than the threshold of  [redacted].  Non-Compliant Higher Priced Mortgage Loan.
Testing will be updated once all income documentation is provided.
      
Reviewer Comment (2025-05-19): Income documentation has been updated. Exception is clear.
 
 
Seller Comment (2025-05-16): PG 702 $ 2139 is B1s pension income . Please be more specific  as to what section you are looking at on the 1003.
 
 
Reviewer Comment (2025-05-16): The Final 1003 reflects this income as pension income. A revised 1003 is required. Additionally, documentation requirements have not been met for self-employment income. Guidelines require most recent 1 one business and personal returns if business is greater than 5 years, two years business and personal returns if less than five years. Business returns as well as third party verification of business has not been provided.
 
 
Seller Comment (2025-05-16): INVALID XXXX Pension Income was not used. Self Employed income was used for XXXX  we have 2022 & 2023 1099-NEC on pages 611-612.
 
05/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
98
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan Safe Harbor Test
TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.
Testing will be updated once all income documentation is provided.
      
Reviewer Comment (2025-05-19): Income documentation has been updated. Exception is clear.
 
05/19/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
98
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit)
TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property.
Testing will be updated once all income documentation is provided.
      
Reviewer Comment (2025-05-19): Income documentation has been updated. Exception is clear.
 
 
Seller Comment (2025-05-16): PG 702 $ 2139 is B1s pension income . Please be more specific  as to what section you are looking at on the 1003.
 
 
Reviewer Comment (2025-05-16): The Final 1003 reflects this income as pension income. A revised 1003 is required. Additionally, documentation requirements have not been met for self-employment income. Guidelines require most recent 1 one business and personal returns if business is greater than 5 years, two years business and personal returns if less than five years. Business returns as well as third party verification of business has not been provided.
 
 
Seller Comment (2025-05-16): INVALID XXXX Pension Income was not used. Self Employed income was used for XXXX  we have 2022 & 2023 1099-NEC on pages 611-612.
 
05/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
98
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
  
Proof of continuance for pension income derived from  [redacted] was not provided as required by guidelines.
      
Reviewer Comment (2025-05-19): Income documentation has been updated. Exception is clear.
 
 
Seller Comment (2025-05-16): PG 702 $ 2139 is B1s pension income . Please be more specific  as to what section you are looking at on the 1003.
 
 
Reviewer Comment (2025-05-16): The Final 1003 reflects this income as pension income. A revised 1003 is required. Additionally, documentation requirements have not been met for self-employment income. Guidelines require most recent 1 one business and personal returns if business is greater than 5 years, two years business and personal returns if less than five years. Business returns as well as third party verification of business has not been provided.
 
 
Seller Comment (2025-05-16): INVALID XXXX Pension Income was not used. Self Employed income was used for XXXX  we have 2022 & 2023 1099-NEC on pages 611-612.
 
05/19/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
TX
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
98
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Proof of continuance for pension income derived from XXXX was not provided as required by guidelines.
      
Reviewer Comment (2025-05-19): Income documentation has been updated. Exception is clear.
 
 
Seller Comment (2025-05-16): PG 702 $ 2139 is B1s pension income . Please be more specific  as to what section you are looking at on the 1003.
 
 
Reviewer Comment (2025-05-16): The Final 1003 reflects this income as pension income. A revised 1003 is required. Additionally, documentation requirements have not been met for self-employment income. Guidelines require most recent 1 one business and personal returns if business is greater than 5 years, two years business and personal returns if less than five years. Business returns as well as third party verification of business has not been provided.
 
 
Seller Comment (2025-05-16): INVALID XXXX Pension Income was not used. Self Employed income was used for XXXX  we have 2022 & 2023 1099-NEC on pages 611-612.
 
05/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
98
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
Proof of continuance for pension income derived from  [redacted] was not provided as required by guidelines.
      
Reviewer Comment (2025-05-19): Income documentation has been updated. Exception is clear.
 
 
Seller Comment (2025-05-16): PG 702 $ 2139 is B1s pension income . Please be more specific  as to what section you are looking at on the 1003.
 
 
Reviewer Comment (2025-05-16): The Final 1003 reflects this income as pension income. A revised 1003 is required. Additionally, documentation requirements have not been met for self-employment income. Guidelines require most recent 1 one business and personal returns if business is greater than 5 years, two years business and personal returns if less than five years. Business returns as well as third party verification of business has not been provided.
 
 
Seller Comment (2025-05-16): INVALID XXXX Pension Income was not used. Self Employed income was used for XXXX  we have 2022 & 2023 1099-NEC on pages 611-612.
 
05/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
99
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
NH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
100
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-14): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
101
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-15): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/15/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
102
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-14): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
103
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-14): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
MS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
104
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-14): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/14/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
105
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-15): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/15/2025
3
A
A
A
A
A
A
A
A
A
A
  
NE
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
106
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
  
Approval missing in file.
      
Reviewer Comment (2025-05-16): Approval provided. Exception is clear.
 
 
Seller Comment (2025-05-16): approval attached
 
05/16/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
106
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-15): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/15/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
106
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Originator Loan Designation mismatch due to Loan Approval missing in file.
      
Reviewer Comment (2025-05-16): Approval provided. Exception is clear.
 
 
Seller Comment (2025-05-16): Approval Attached
 
05/16/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
106
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Loan Approval
General QM: Missing loan approval; General QM testing is incomplete.
Loan Approval missing in file.
      
Reviewer Comment (2025-05-16): Approval provided. Exception is clear.
 
 
Seller Comment (2025-05-16): Approval attached
 
05/16/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
107
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-15): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/15/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
108
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-15): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/15/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
109
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Transaction error and grid is outside of scope
      
Reviewer Comment (2025-05-15): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/15/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
109
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted] Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
109
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Non-Compliant
[redacted]Higher-Priced Mortgage Loan: APR on subject loan of  [redacted] or Final Disclosure APR of  [redacted] is equal to or greater than the threshold of APOR [redacted].  Non-Compliant Higher Priced Loan.
Non-compliant HPML due to missing disclosure
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
110
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-15): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/15/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
111
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
111
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Compliant
[redctaed] Higher-Priced Mortgage Loan: APR on subject loan of  [redacted]or Final Disclosure APR of  [redacted] is equal to or greater than the threshold of APOR  [redacted]  Compliant Higher Priced Loan.
APR on subject loan of  [redacted] or Final Disclosure APR of  [redacted] is equal to or greater than the threshold of APOR  [redacted] Compliant Higher Priced Loan.
              
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Refinance - Cash-out - Other
No obvious cure
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
112
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
113
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
114
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
115
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
116
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
.
      
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
117
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
118
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
119
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
    
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
120
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
121
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Updated as per the source of the document correctly
      
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
122
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
123
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
124
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
WV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
125
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
126
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
127
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
128
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
129
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
130
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Updated as per the source of the document correctly
      
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
131
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
132
XXX
    
Compliance
Compliance
State Compliance
Compliance
[redacted] has been discontinued effective  [redacted].  Most recent available index value used for bona fide discount point testing.
                  
2
B
B
B
B
B
B
B
B
B
B
  
AR
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
132
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
AR
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
132
XXX
    
Credit
Credit
Credit Calculation / Analysis
Guideline
Guideline Requirement: Representative FICO score discrepancy.
  
Representative FICO score of  [redacted] is less than Guideline representative FICO score of  [redacted].
      
Reviewer Comment (2025-05-23): LTV is 80 hence Fico Score limit should be 680, Exception cleared.
 
 
Seller Comment (2025-05-22): Please see attached, our fico limit is 680 when the CLTV is 80% or less. The loan meets that guideline.
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AR
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
132
XXX
    
Credit
Borrower and Mortgage Eligibility
Mortgage / Program Eligibility
Borrower and Mortgage Eligibility
Guideline Requirement: Combined High loan to value discrepancy.
  
Calculated CHLTV is  [redacted] exceeding the guideline high loan to value percentage of  [redacted].
      
Reviewer Comment (2025-05-28): First lien balance has been updated. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see page 23 of the loan file. XXX loan XXX was paid down in the amount of $3,238.53. This amount should be deducted form the senior mortgage balance before CLTV calculations.
 
05/28/2025
    
1
  
A
  
A
  
A
  
A
  
A
  
AR
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
132
XXX
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: Combined loan to value discrepancy.
  
Calculated CLTV is [redctaed]% exceeding the guideline high loan to value percentage of [redctaed]
      
Reviewer Comment (2025-05-28): First lien balance has been updated. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see page 23 of the loan file. XXX loan XXX was paid down in the amount of $3,238.53. This amount should be deducted form the senior mortgage balance before CLTV calculations.
 
05/28/2025
    
1
  
A
  
A
  
A
  
A
  
A
  
AR
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
133
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Debt Consolidation
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
133
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
VOE dated  [redacted]; note date is  [redacted].
      
Reviewer Comment (2025-05-28): Paystub provided is acceptable per FNMA. Exception is clear.
 
 
Seller Comment (2025-05-27): We have provided a paystub dated for 4/18/25 which is within 15 business days of closing and can be used in lieu of a VOE per guidelines. Moreover, The client is only being qualified with Base income which requires a paystub and W2, we provided the year end paystub  dated 12/27/24 which can also be used in lieu of a W2 to meet guidelines. Please review to clear.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Debt Consolidation
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
133
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within  [redacted] business days of the Note.
  
VOE dated  [redacted]; note date is  [redacted].
      
Reviewer Comment (2025-05-28): Paystub provided is acceptable per FNMA. Exception is clear.
 
 
Seller Comment (2025-05-27): We have provided a paystub dated for 4/18/25 which is within 15 business days of closing and can be used in lieu of a VOE per guidelines. Moreover, The client is only being qualified with Base income which requires a paystub and W2, we provided the year end paystub  dated 12/27/24 which can also be used in lieu of a W2 to meet guidelines. Please review to clear.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Debt Consolidation
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
133
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
QM risk due to missing income documentation:  [redacted] years W-2's, VOE within  [redacted] days of note date not provided in file.
      
Reviewer Comment (2025-05-28): Rate set date updated. Exception is clear.
 
 
Seller Comment (2025-05-27): We have provided a paystub dated for 4/18/25 which is within 15 business days of closing and can be used in lieu of a VOE per guidelines. Moreover, The client is only being qualified with Base income which requires a paystub and W2, we provided the year end paystub  dated 12/27/24 which can also be used in lieu of a W2 to meet guidelines. Please review to clear.
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Debt Consolidation
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
133
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
QM risk due to missing income documentation:  [redacted] years W-2's, VOE within  [redacted] days of note date not provided in file.
      
Reviewer Comment (2025-05-28): Paystub provided is acceptable per FNMA. Exception is clear.
 
 
Seller Comment (2025-05-27): We have provided a paystub dated for 4/18/25 which is within 15 business days of closing and can be used in lieu of a VOE per guidelines. Moreover, The client is only being qualified with Base income which requires a paystub and W2, we provided the year end paystub  dated 12/27/24 which can also be used in lieu of a W2 to meet guidelines. Please review to clear.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Debt Consolidation
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
133
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
QM risk due to missing income documentation:  [redacted] years W-2's, VOE within  [redacted] days of note date not provided in file.
      
Reviewer Comment (2025-05-28): Paystub provided is acceptable per FNMA. Exception is clear.
 
 
Seller Comment (2025-05-27): We have provided a paystub dated for 4/18/25 which is within 15 business days of closing and can be used in lieu of a VOE per guidelines. Moreover, The client is only being qualified with Base income which requires a paystub and W2, we provided the year end paystub  dated 12/27/24 which can also be used in lieu of a W2 to meet guidelines. Please review to clear.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Debt Consolidation
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
134
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
135
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
136
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
137
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
137
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of  [redacted] or Final Disclosure APR of  [redacted] is equal to or greater than the threshold of APOR  [redacted] Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Refinance - Cash-out - Other
No obvious cure
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
138
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
139
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
140
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
141
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
142
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
143
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
144
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
144
XXX
    
Credit
Borrower and Mortgage Eligibility
Mortgage / Program Eligibility
Borrower and Mortgage Eligibility
Guideline Requirement: Combined High loan to value discrepancy.
  
The guideline maximum CLTV for  [redacted] credit score is  [redacted].
      
Reviewer Comment (2025-05-27): First lien balance has been updated. Exception is clear.
 
 
Reviewer Comment (2025-05-23): As per credit report, Roundpoint liability ($3,386.54) is reflecting as Real Estate. Exception remains.
 
 
Seller Comment (2025-05-22): 5/22: please see the below calculation for 1st lien paydown. The underwriter included the portion to be paid to the 1st lienholder as $3386.54 and that amount is listed in the payoffs on the Final CD.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MI
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
144
XXX
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: Combined loan to value discrepancy.
  
The guideline maximum CLTV for  [redacted] credit score is  [redacted].
      
Reviewer Comment (2025-05-27): First lien balance has been updated. Exception is clear.
 
 
Seller Comment (2025-05-22): 5/22: please see the below calculation for 1st lien paydown. The underwriter included the portion to be paid to the 1st lienholder as $3386.54 and that amount is listed in the payoffs on the Final CD.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MI
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
145
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Transaction error and grid is outside of scope.
      
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
146
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
147
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
147
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date  [redacted],  Most Recent Tax Return End Date  [redacted], Tax Return Due Date  [redacted].
Most Recent Tax Return End Date  [redacted] for loan dated  [redacted].
              
2
B
B
B
B
B
B
B
B
B
B
  
UT
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
148
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
149
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
149
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within  [redacted] business days of the Note.
-
        
Reviewer Comment (2025-05-27): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-23): Please note, this response is for exception 33471776: Clarification need as the borrower confirmed the 2 year work history. We have a 2024 W2 from The Commerce insurance to confirm. Please clarify what else is needed.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
150
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
150
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within  [redacted] business days of the Note.
-
Provided VOE is not within  [redacted] days
      
Reviewer Comment (2025-05-21): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-21): Please see the attached recertification of employment for the borrower.
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
151
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
152
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): the limited compliance exceptions should be waived with this comment: "Client acknowledges exception, which is informational only and does not impact grading."
 
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
153
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
154
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
155
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
156
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
157
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
158
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
159
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
159
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.
      
Reviewer Comment (2025-05-27): EV2 non-material exception.
 
 
Seller Comment (2025-05-22): Seller requests buyer review: Seller acknowledges exception, no change to grading.
 
  
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
159
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver)
[redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least  [redacted] business day prior to closing without a waiver.
Final itemized disclosure of fees, points, costs and charges not provided to borrower at least  [redacted] business day prior to closing without a waiver.
      
Reviewer Comment (2025-05-27): CD in file satisfies requirement. Exception is clear.
 
 
Seller Comment (2025-05-22): Please see attached confirmation borrower received the entire closing package for review and viewed within the required timeframe prior to closing.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
160
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
160
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver)
[redacted] Constitution Section [redacted]  Final itemized disclosure of fees, points, costs and charges not provided to borrower at least  [redacted] business day prior to closing without a waiver.
        
Reviewer Comment (2025-05-27): CD satisfies requirement. Exception is clear.
 
 
Seller Comment (2025-05-22): The client was provided the initial closing disclosure on 4/23/2025 and the final CD on 4/25/2025 with the closing date being 4/28/25. Our evidentiary document is in your loan file on page 183.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
160
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan  (Other Debt)
[redacted] Constitution Section [redacted]prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted]. Unable to determine purpose of additional debt secured by the homestead.
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
161
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
162
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
163
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
164
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
LA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
165
XXX
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.
Disaster Name: ___
Disaster Declaration Date: ___
        
Reviewer Comment (2025-05-27): Valuation provided is acceptable. Exception is clear.
 
 
Seller Comment (2025-05-22): Please be advised that our guidelines do not require a disaster inspection if the full appraisal was completed after the incident start date. The incident start date is 4/2 and appraisal was completed 4/18. Full appraisal is sufficient to confirm no damage. See attaches supporting guidelines uploaded 5/21/25.
 
 
Seller Comment (2025-05-21): See below guidelines supporting the prior response.
 
 
Seller Comment (2025-05-21): Please be advised that our guidelines do not require a disaster inspection if the full appraisal was completed after the incident start date. The incident start date is 4/2 and appraisal was completed 4/18. Full appraisal is sufficient to confirm no damage.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
KY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
165
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
166
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
166
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver)
[redacted] Constitution Section [redacted]: Final itemized disclosure of fees, points, costs and charges not provided to borrower at least  [redacted] business day prior to closing without a waiver.
        
Reviewer Comment (2025-05-29): TX Affidavit reflects verbiage verifying receipt of fees 1 day prior to closing. Exception is clear.
 
 
Seller Comment (2025-05-29): The fees are included in the closing package as stated in my previous response. The date at bottom of 5/1 is prior to close. There are two dates listed, both prior to close. Please clarify what is missing.
 
 
Reviewer Comment (2025-05-27): We need verification that the borrower received the fees as well. The evidentiary document provided does not verify borrower received the CD and the CD stated was executed by the borrower on the day of closing which does not meet the timing requirement.
 
 
Seller Comment (2025-05-22): Please see attached, confirmation the closing package was provided on 5/1. The closing package includes fees, points, costs and charges. Also please note the loan number is in the URL
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
166
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section [redacted]: Acceptable FNMA title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the  [redacted] endorsement or the  [redacted] endorsement. (The loan is a  [redacted] home equity loan.)
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
167
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
168
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
169
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
170
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
171
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - ATR
Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.
Loan designation discrepancy due to  missing Third Party Verification, CPA Letter or Third Party Prepared YTD P&L and Most recent transcript or signed/dated tax return not provided.
      
Reviewer Comment (2025-05-21): Third party verification provided. Exception is clear.
 
05/21/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
NJ
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
171
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General Ability To Repay Provision Employment - Schedule C Test
Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
Third Party Verification, CPA Letter or Third Party Prepared YTD P&L and Most recent transcript or signed/dated tax return not provided.
      
Reviewer Comment (2025-05-21): Third party verification provided. Exception is clear.
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
171
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM
NonQM ATR
Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.
Third Party Verification, CPA Letter or Third Party Prepared YTD P&L and Most recent transcript or signed/dated tax return not provided.
      
Reviewer Comment (2025-05-21): Third party verification provided. Exception is clear.
 
05/21/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
171
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
172
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
172
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section [redacted]  Acceptable [redacted]title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the  [redacted]. (The loan is a  [redacted] home equity loan.)
The loan file does not evidence the Title Policy includes the  [redacted].
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
173
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver)
[redacted] Constitution Section [redacted]: Final itemized disclosure of fees, points, costs and charges not provided to borrower at least  [redacted] business day prior to closing without a waiver.
Final itemized disclosure of fees not provided to borrower.
      
Reviewer Comment (2025-05-27): Evidentiary document provided. Exception is clear.
 
 
Seller Comment (2025-05-22): Please see the evidentiary document which shows the borrower received the initial cd.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
173
XXX
    
Credit
Hazard Insurance
Document Error
Hazard Insurance
Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.
  
Hazard Insurance policy does not list Lender or Servicer - including successors and assigns clause.
      
Reviewer Comment (2025-05-27): HOI provided meets requirements. Exception is clear.
 
 
Seller Comment (2025-05-22): Product guidelines for this trade do not require this. Product guidelines only require evidence of insurance and our homeowners insurance summary is only sent to us because we are listed as Mortgagee on policy.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
173
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
174
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
175
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
176
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
177
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
177
XXX
    
Credit
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Missing Document: Appraisal not provided
  
No valuation product provided in loan file.
      
Reviewer Comment (2025-05-28): AVM provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see page 755 of the loan file. The AVM is already included with the loan package.
 
05/28/2025
    
1
  
A
  
A
  
A
  
A
  
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
178
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]  Compliant Higher Priced Loan.
APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR[redacted]
              
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Refinance - Cash-out - Other
No obvious cure
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
178
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
179
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
180
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
KS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
181
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided)
[redacted] Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance.
Borrower did not receive disclosure on responsibility for payment of taxes and insurance.
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
181
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
182
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
183
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
183
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
183
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section[redacted]: Acceptable [redacted] title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the[redacted] endorsement or the [redacted] endorsement. (The loan is a [redacted]home equity loan.)
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
183
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver)
[redacted][redacted] Constitution Section [redacted]: Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted]business day prior to closing without a waiver.
        
Reviewer Comment (2025-05-28): Proof of earlier delivery provided. Exception is clear.
 
 
Seller Comment (2025-05-22): Please see the attached evidence the Closing package was issue dot borrower on 5/1. 1 day prior to closing.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
184
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
184
XXX
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.
Disaster Name: ___
Disaster Declaration Date: ___
        
Reviewer Comment (2025-05-28): Inspection provided. Exception is clear.
 
 
Seller Comment (2025-05-27): See the attached disaster inspection already ordered.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
KY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
184
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within[redacted] business days of the Note.
  
Missing VVOE completed within [redacted] business days prior to Note date. VVOE in file was completed [redacted], [redacted] days prior to [redacted] Note date.
      
Reviewer Comment (2025-05-28): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see the attachment.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
KY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
185
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
185
XXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
  
Missing insurance verification.
      
Reviewer Comment (2025-05-21): Land only. HOI is not required
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
185
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
[redacted] due to missing insurance verification for REO property on [redacted].
    
Reviewer Comment (2025-05-21): Property is land only. HOI is not required.
 
05/21/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
SC
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
185
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
[redacted] due to missing insurance verification for REO property on [redacted].
      
Reviewer Comment (2025-05-21): Property is land only. HOI is not required.
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
185
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
[redacted]l due to missing insurance verification for REO property on [redacted].
      
Reviewer Comment (2025-05-21): Property is land only. HOI is not required.
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
186
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
187
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens.
      
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
187
XXX
    
Credit
Loan Package Documentation
Closing / Title
Loan Package Documentation
Title search shows negative impact on title.
  
Evidence of satisfaction / release is required for UCC filing on title from [redacted].
      
Reviewer Comment (2025-05-28): Verified solar meets requirements. Exception is clear.
 
 
Seller Comment (2025-05-22): Please be advised that this was identified during origination to be a solar agreement, which is documented in the loan file and included in the installment debts. The solar documentation outlines the terms of default which do not affect the mortgage position.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AZ
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
188
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
189
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Schedule C
General QM: Unable to verify current Sole Proprietorship status using reasonably reliable[redacted] records.
        
Reviewer Comment (2025-05-28): Third party verification provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see the attached screen shot from our LOS documents portal confirming the third party verification was obtained on 3/28/2025 and meets guidelines.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IL
Primary
Refinance - Cash-out - Debt Consolidation
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
189
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of[redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Reliable third party document not provided
      
Reviewer Comment (2025-05-28): Third party verification provided. Exception is clear.
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
IL
Primary
Refinance - Cash-out - Debt Consolidation
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
189
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Debt Consolidation
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
190
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation discrepancy due to missing [redacted] for co-borrower.
      
Reviewer Comment (2025-05-28): W2 provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached, B2 W2 as requested
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
NM
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
190
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
[redacted]Exception due to missing [redacted] for co-borrower.
      
Reviewer Comment (2025-05-28): W2 provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached, B2 W2 as requested
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NM
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
190
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
[redacted] Exception due to missin[redacted] for co-borrower.
      
Reviewer Comment (2025-05-28): W2 provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached, B2 W2 as requested
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NM
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
190
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
  
Prior Year[redacted] is missing for co-borrower.
      
Reviewer Comment (2025-05-28): W2 provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached, B2 W2 as requested
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NM
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
190
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens.
      
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
190
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
[redacted] Exception due to missing [redacted]or co-borrower.
      
Reviewer Comment (2025-05-28): W2 provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached, B2 W2 as requested
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NM
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
191
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
191
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
[redacted] HPML [redacted]Compliant
[redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of[redacted] is equal to or greater than the threshold of APOR [redacted].  Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-05-28): Rate set date provided. Exception is clear.
 
05/28/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
191
XXX
    
Compliance
Compliance
State Compliance
State Defect
[redacted] Complaint Agency Disclosure Timing Test
[redacted] Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.
        
Reviewer Comment (2025-05-29): Compliance confirmed it is acceptable to use 1003 application date. Exception is clear.
 
 
Seller Comment (2025-05-29): This is an incorrect reading of the regulation. SC Code 37-23-70(D) was created in 2003 prior to TRID. The "application" referred to in this regulation does not imply TRID application date (that is, the receipt of the 6 data points), it refers to signing/receipt of the Loan application (1003) which was provided and signed by the borrower on 3/29. Please clear this condition, as it is invalid.
 
 
Reviewer Comment (2025-05-28): Disclosure provided does not meet the timing requirement of being issued at the time of application. Evidentiary document in file reflects application date of 3/21/2025 however the disclosure was not issued until 3/29/2025.
 
 
Seller Comment (2025-05-27): Please see page 112. Esigned by borrower.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
191
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR).
Originator Loan Designation of [redacted](APOR) does not match Due Diligence Loan Designation of Higher Priced QM.
      
Reviewer Comment (2025-05-28): Rate set date provided. Exception is clear.
 
 
Seller Comment (2025-05-27): 5/27: The rate changed from 12% on 4/16 to 9.875 on 4/24, which should change the rate set date and the Safe Harbor limit.
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
SC
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
192
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope as second lien
      
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
IN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
193
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
194
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
195
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
196
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
197
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
AK
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
198
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
199
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
200
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
201
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of[redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation discrepancy due to missing third-party verification and [redacted]business tax return for[redacted] personal tax returns for both borrowers.
      
Reviewer Comment (2025-06-09): Income documents have been provided. Exception is clear.
 
 
Seller Comment (2025-06-05): Please see the attached 2024 tax return extension and post close proof of self employment.
 
06/09/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
OH
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
201
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Partnership
General QM: Unable to verify current Partnership status using reasonably reliable third-party records.
[redacted]l due to missing [redacted]-party verification and [redacted] business tax return for [redacted]personal tax returns for both borrowers.
      
Reviewer Comment (2025-06-09): Income documents have been provided. Exception is clear.
 
 
Seller Comment (2025-06-05): Please see the attached 2024 tax return extension and post close proof of self employment.
 
06/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
201
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Partnership
General QM: Unable to verify current Partnership status using reasonably reliable third-party records.
Waterfall due to missing third-party verification and [redacted]business tax return for [redacted] personal tax returns for both borrowers.
      
Reviewer Comment (2025-06-09): Income documents have been provided. Exception is clear.
 
 
Seller Comment (2025-06-05): Please see the attached 2024 tax return extension and post close proof of self employment.
 
06/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
201
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
[redacted]due to missing third-party verification and [redacted] business tax return for[redacted] personal tax returns for both borrowers.
      
Reviewer Comment (2025-06-09): Income documents have been provided. Exception is clear.
 
 
Seller Comment (2025-06-05): Please see the attached 2024 tax return extension and post close proof of self employment.
 
06/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
201
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]
File is missing[redacted] business tax return for[redacted] personal tax returns for both borrowers.
              
2
B
B
B
B
B
B
B
B
B
B
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
201
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted] Tax Return Due Date [redacted]
File is missing[redacted] business tax return for[redacted] personal tax returns for both borrowers.
              
2
B
B
B
B
B
B
B
B
B
B
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
201
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely)
[redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within[redacted]business days of application.
Acknowledgement of receipt of Home Mortgage Loan Information Disclosure is not provided within [redacted] days of application. Evidentiary document shows aloan application date of[redacted], borrower signed loan application on[redacted]
              
2
B
B
B
B
B
B
B
B
B
B
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
201
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
File is missing third-party verification and [redacted] business tax return for [redacted]personal tax returns for both borrowers.
      
Reviewer Comment (2025-06-09): Income documents have been provided. Exception is clear.
 
 
Seller Comment (2025-06-05): Please see the attached 2024 tax return extension and post close proof of self employment.
 
06/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
201
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
[redacted] due to[redacted]P&L & third-party verification for [redacted], [redacted] tax returns.
      
Reviewer Comment (2025-06-09): Income documents have been provided. Exception is clear.
 
 
Seller Comment (2025-06-05): There is no exception for the 2025 P&L on  this loan. Please review and clear.
 
06/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
201
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
202
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
203
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
203
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted]  Home Loan Toolkit Timing
[redacted]Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower within[redacted]business days of application.
Evidentiary document reflects application date of[redacted]. Evidence of earlier borrower receipt of disclosure was not provided.
              
2
B
B
B
B
B
B
B
B
B
B
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
204
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
A
A
C
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
204
XXX
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Missing Document: Appraisal was made "subject to" and Form [redacted] was not provided.
          
Reviewer Comment (2025-05-21): Document confirming completion provided. Exception is clear.
 
 
Seller Comment (2025-05-21): Please refer to page 383/507 DOC ID 0421 with the signed, executed invoice confirming the work was completed.
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
A
A
C
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
205
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
206
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Transaction error and grid is outside of scope.
      
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
206
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date
Truth in Lending Act:  Subject loan transaction disbursed on[redacted] prior to [redacted] business days from transaction date of[redacted]
Closing Disclosure was signed by borrower on [redacted] however Notary date on mortgage was [redacted]
      
Reviewer Comment (2025-05-28): Disbursement date has been updated. Exception is clear.
 
 
Seller Comment (2025-05-22): The closing disclosure was signed by the borrowers in 5/3/2025, the same date the mortgage was signed/acknowledged by the notary. Please review to clear this issue.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
206
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within [redacted] business days of the Note.
  
Please provide Verification(s) of employment is within [redacted]business days of the Note.
      
Reviewer Comment (2025-05-28): VVOE provided. Exception is clear.
 
 
Reviewer Comment (2025-05-27): Exception Remains - The Saturday has been considered as business day and 10 days is exact on the note date. Provide the Verification of employment is within 10 business days of the Note.
 
 
Seller Comment (2025-05-22): The VOE is dated for 4/23/2025 with our closing date being 5/03/2025 which is exactly 7 business days prior to close which meets guidelines. Weekend (saturday/sunday) and not included the business day calculation per guidelines, please review to clear this issue.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
207
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
ID
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
208
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value is provide
              
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
208
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section[redacted]): Acceptable [redacted] title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the[redacted] endorsement or the[redacted] endorsement. (The loan is a [redacted]home equity loan.)
Information is not provided on title commitment
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
208
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver)
[redacted] Constitution Section [redacted]): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted]business day prior to closing without a waiver.
[redacted] Cash-out Itemized Disclosure Timing without a Waiver information is not provided in file
      
Reviewer Comment (2025-05-29): TX Affidavit reflects verbiage verifying receipt of fees 1 day prior to closing. Exception is clear.
 
 
Seller Comment (2025-05-29): Please see attached, I was able to take a better screenshot which confirms the document was published 4/29, please see the far right hand column
 
 
Reviewer Comment (2025-05-28): Screenshot provided shows the borrower viewed the package on 5/01 which is the day of closing. Fees must be provided and received at least 1 day prior to closing. Please provide verification of receipt within timing requirements.
 
 
Seller Comment (2025-05-22): Please see attached, evidence the closing package, which includes the al fees, points, costs and charges was provided to the borrower on 4/29.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
208
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope as second lien
      
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
209
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
210
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
211
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
211
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
[redacted] Higher Priced Mortgage Loan [redacted] Test
TILA HPML appraisal Rule (Dodd-Frank [redacted]): [redacted] requirements not satisfied.
[redacted]requirements not satisfied.
              
2
B
B
B
B
B
B
B
B
B
B
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
212
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
213
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
214
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
215
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
215
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted] Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
HPML Disclosure is missing in file.
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
215
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted]HPML Threshold Test Non-Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR[redacted].  Non-Compliant Higher Priced Loan.
HPML Disclosure is missing in file.
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
215
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided)
[redacted] Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance.
Escrow Responsibility Disclosure is missing in file.
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
216
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
217
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
218
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
219
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
220
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
221
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
222
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
[redacted]HPML [redacted] Non Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of[redacted] is equal to or greater than the threshold of APOR [redacted]%.  Non-Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-05-28): Proof of delivery of the appraisal was provided in the evidentiary document. Exception is clear.
 
 
Seller Comment (2025-05-28): The rate set date for this loan was 4/22 putting the APOR at 6.43%,  no the 6.23% being used in testing
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
222
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant[redacted]business days prior to consummation.
        
Reviewer Comment (2025-05-28): Proof of delivery of the appraisal was provided in the evidentiary document. Exception is clear.
 
 
Seller Comment (2025-05-28): The rate set date for this loan was 4/22 putting the APOR at 6.43%,  no the 6.23% being used in testing
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
222
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General Ability To Repay Provision Employment - Schedule C Test
Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
        
Reviewer Comment (2025-05-28): Third party verification provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see the attached screen shot from our LOS documents portal confirming we obtained the third party proof of self employment on 4/8/2025 which meets guidelines.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
222
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section [redacted]): Acceptable [redacted] title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the[redacted] endorsement or the [redacted] endorsement. (The loan is a[redacted]home equity loan.)
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
222
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - ATR
Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.
Verification of employment document is missing in file for co-borrower
      
Reviewer Comment (2025-05-28): Third party verification provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see the attached screen shot from our LOS documents portal confirming we obtained the third party proof of self employment on 4/8/2025 which meets guidelines.
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
TX
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
B
A
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
222
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM
NonQM ATR
Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied.
Verification of employment document is missing in file
      
Reviewer Comment (2025-05-28): Third party verification provided. Exception is clear.
 
05/28/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
222
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
223
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
224
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
225
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
226
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
227
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
228
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
228
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided)
[redacted] Constitution Section [redacted]: Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing.
[redacted] Cash out itemization is missing.
      
Reviewer Comment (2025-05-28): Disclosure provided. Exception is clear.
 
 
Seller Comment (2025-05-22): Please see the closing package was provided to the borrowers online account on 5/1.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
228
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted]Constitution Section [redacted]): Acceptable [redacted] title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the[redacted] endorsement or the[redacted] endorsement. (The loan is a[redacted]home equity loan.)
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
229
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
230
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
231
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
231
XXX
    
Compliance
Compliance
State Compliance
State Defect
[redacted] Complaint Agency Disclosure Timing Test
[redacted] Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.
The provided and signed ate of the disclosure is dated[redacted]
      
Reviewer Comment (2025-05-28): Disclosure provided meets timing requirements per the application date reflected on the evidentiary document. Exception is clear.
 
 
Seller Comment (2025-05-22): The CHL Complaint agency disclosure was provided when all 6 data points had been received, the 1003 had been signed and the intent to proceed was signed by the client. Per all of the aforementioned documentation, the disclosure was issued "at application'. Please review and clear or advise what the reviewer deems the application date to be.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
232
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
233
XXX
    
Compliance
Compliance
State Compliance
State Defect
[redacted] Complaint Agency Disclosure Timing Test
[redacted] Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.
Evidence of earlier borrower receipt was not found in file.
      
Reviewer Comment (2025-05-28): Disclosure provided. Exception is clear.
 
 
Seller Comment (2025-05-22): Pg100/D248 confirms the SC Notice of Complaints was disclosed to borrower XXXX with the application package on 3/24, the borrower then e-signed the document on 3/26(pg102/D250)
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
233
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
234
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Second Home
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
235
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
236
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted] Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
236
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] Threshold Test Non-Compliant
[redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted].  Non-Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
236
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
237
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
238
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
239
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
240
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
241
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
241
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted] Tangible Net Benefit Disclosure
[redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
242
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
LA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
243
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NE
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
244
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
245
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
246
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
247
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
KS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
248
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
249
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
250
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
ME
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
251
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
252
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
253
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
254
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
255
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
256
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
257
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
258
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
259
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
260
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
IN
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
260
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
[redacted] HPML[redacted] Non Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of[redacted] is equal to or greater than the threshold of APOR[redacted].  Non-Compliant Higher Priced Mortgage Loan.
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR[redacted]. Non-Compliant Higher Priced Mortgage Loan.
      
Reviewer Comment (2025-05-28): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-05-27): The appraisal cover letter on page 474/518 of the loan images confirms the borrowers received the appraisal prior to close.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IN
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
260
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation.
      
Reviewer Comment (2025-05-28): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-05-27): The appraisal cover letter on page 474/518 of the loan images confirms the borrowers received the appraisal prior to close.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IN
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
261
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
262
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
262
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section[redacted]): Acceptable [redacted] title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the[redacted]endorsement or the [redacted]endorsement. (The loan is a [redacted]) home equity loan.)
[redacted] Constitution Section [redacted] Acceptable [redacted] title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted] endorsement or the [redacted]endorsement. (The loan is a[redacted]home equity loan.)
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
262
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan  (Other Debt)
[redacted] Constitution Section [redacted]) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted] Unable to determine purpose of additional debt secured by the homestead.
[redacted] Constitution Section [redacted] prohibits other debt secured by the homestead unless the purpose of additional debt is [redacted] described unde[redacted](. Unable to determine purpose of additional debt secured by the homestead.
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
263
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
264
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
265
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
265
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Schedule C
General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
Third Party Verification CPA [redacted]Letter Audited o[redacted]Party Prepared YTD P&L Most recent transcript or signed/dated tax return is required for schedule C income.
      
Reviewer Comment (2025-05-28): Third party verification provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Additional note, refer to page 357/383 DOC ID 0143 for the business license active until 9/30/2025.
 
 
Seller Comment (2025-05-27): Please be advised the signed 2024 tax returns are on file along with the active business license to verify self-employment. A P&L or CPA letter are not requirements.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
265
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]: Originator Loan Designation of [redacted]Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Subject loan was originated under the Higher Priced QM (APOR) designation however, the subject loan has tested as QM (APOR) Fail due to missing income verification documents.
      
Reviewer Comment (2025-05-28): Third party verification provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please be advised the signed 2024 tax returns are on file along with the active business license to verify self-employment. A P&L or CPA letter are not requirements.
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
AL
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
266
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
267
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
268
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Second Home
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
268
XXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
- ___
File is missing statement to verify mortgage payment on senior lien.
      
Reviewer Comment (2025-05-28): Note provided. Exception is clear.
 
 
Seller Comment (2025-05-27): We provided a copy of the mortgage note for the 1st lien to verify the monthly payment amount. This is in your loan file on page  344
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AZ
Second Home
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
269
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
269
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]2014): Originator Loan Designation of [redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Missing W-2/paystub or WVOE with income
      
Reviewer Comment (2025-05-28): WVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-28): Please see attached, WN report for XXXX, it includes the 2024 w2 information
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
OH
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
269
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - Wages
General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE.
Missing [redacted] for [redacted] [redacted]s [redacted] verifying incone earned for[redacted] year employment history.
      
Reviewer Comment (2025-05-28): WVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-28): Please see attached, WN report for XXXX, it includes the 2024 w2 information
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
270
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
271
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
272
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
273
XXX
    
Credit
Loan Package Documentation
Loan File
Missing Document
Missing Document: Hazard Insurance Policy not provided
  
Hazard insurance not provided
      
Reviewer Comment (2025-05-21): HOI provided. Exception is clear.
 
 
Seller Comment (2025-05-21): Please see attached HOI policy for the subject property.
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Second Home
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
273
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Second Home
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
274
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
ND
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
274
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM
Self-Employed Tax Return Recency - ATR
Ability to Repay (Dodd-Frank [redacted] ): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
Loan file is missing most recent years tax returns.
              
2
B
B
B
B
B
B
B
B
B
B
  
ND
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
274
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Missing VOE obtained within [redacted] calendar days prior to the note date for Borrower's S-Corp.
      
Reviewer Comment (2025-05-27): Third party verification provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached confirmation that verification the self-employed business was active was obtained within the required timeframe prior to closing.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ND
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
274
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - ATR Risk
Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.
Waterfall finding due to missing third party verification for Borrower's S-Corp, resulting in a loan designation discrepancy.
      
Reviewer Comment (2025-05-27): Third party verification provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached confirmation that verification the self-employed business was active was obtained within the required timeframe prior to closing.
 
05/27/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
ND
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM Loan Designation
C
B
C
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
274
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - ATR Impact
Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Waterfall finding due to missing third party verification for Borrower's S-Corp.
      
Reviewer Comment (2025-05-27): Third party verification provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached confirmation that verification the self-employed business was active was obtained within the required timeframe prior to closing.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ND
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
274
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General Ability To Repay Provision Investor Guidelines
Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk.
Waterfall finding due to missing third party verification for Borrower's S-Corp, resulting in a loan designation discrepancy.
      
Reviewer Comment (2025-05-27): Third party verification provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached confirmation that verification the self-employed business was active was obtained within the required timeframe prior to closing.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ND
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
275
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
276
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
277
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
278
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
279
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
280
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
280
XXX
    
Credit
Hazard Insurance
Insufficient Coverage
Hazard Insurance
The Hazard Insurance Policy Effective Date is after closing.
          
Reviewer Comment (2025-05-28): Previous policy provided. Exception is clear.
 
 
Seller Comment (2025-05-27): The HOI summary page for the current effective policy is in your loan file on page 269 for 7/1/24 - 7/1/2025
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CT
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
281
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
281
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted](a)(6[redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.
              
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
281
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver)
[redacted] Constitution Section [redacted](a)([redacted]): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing without a waiver.
Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing without a waiver.
      
Reviewer Comment (2025-05-29): TX Affidavit reflects verbiage verifying receipt of fees 1 day prior to closing. Exception is clear.
 
 
Seller Comment (2025-05-29): The document provided confirms the redisclosure package was viewed on 5/1.
 
 
Reviewer Comment (2025-05-28): Screenshot provided does not confirm receipt by the borrower which is required. Exception remains open.
 
 
Seller Comment (2025-05-23): Please see the attached screenshot confirming the closing package including the closing disclosure was provided to the borrower on 5/1/25, 1 day before closing.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
281
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided)
[redacted] Constitution Section [redacted](a)([redacted]): Missing Revised Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least [redacted] days prior to closing.
Notice Concerning Extensions of Credit disclosure not provided
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
281
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section [redacted](a)([redacted]): Acceptable [redacted] title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the [redacted] T-[redacted] endorsement or the T-[redacted] endorsement. (The loan is a [redacted] Section [redacted] (a)([redacted]) home equity loan.)
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
282
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens.
      
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
283
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
284
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
VT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
285
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
286
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
286
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted] [redacted] Home Loan Toolkit Status
[redacted] Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
287
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
288
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
288
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted] Tangible Net Benefit Disclosure
[redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
289
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
289
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
                
2
B
B
B
B
B
B
B
B
B
B
  
UT
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
290
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
291
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
292
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Transaction error and grid is outside of scope.
      
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
293
XXX
    
Credit
Loan Package Documentation
Loan File
Missing Document
Missing Document: Hazard Insurance Policy not provided
          
Reviewer Comment (2025-05-28): HOI provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see page 292 of the loan file. The address and coverage amount is already in the loan package.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
293
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
294
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
295
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
296
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
    
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
296
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted] Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
296
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Non-Compliant
[redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
297
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
297
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted]  Home Loan Toolkit Timing
[redacted] Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower within [redacted] ([redacted] ) business days of application.
Application date is [redacted] and provided date is [redacted].
              
2
B
B
B
B
B
B
B
B
B
B
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
298
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
299
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
300
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
301
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
302
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
303
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
304
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
305
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
AK
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
306
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
307
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
KS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
308
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
309
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
310
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
311
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
312
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
312
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
Provide the most recent business tax returns.
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
312
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted](a)([redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
313
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
313
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Previous loan refinanced within twelve (12) month period of consummation)
[redacted] Constitution Section [redacted](a)([redacted]): Previous loan refinanced within [redacted]([redacted]) month period of consummation
        
Reviewer Comment (2025-05-28): Data has been updated. Exception is clear.
 
 
Seller Comment (2025-05-23): The subject transaction did not payoff the first lien. The first lien was retained and a second lien was originated. Please review to clear or advise further.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
314
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
315
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
LA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
316
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
317
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
318
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
319
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
319
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted] Tangible Net Benefit Disclosure
[redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower.
Tangible Net Benefit Disclosure is not provided in the file.
              
2
B
B
B
B
B
B
B
B
B
B
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
320
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
320
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section [redacted](a)([redacted]): Acceptable [redacted] title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the [redacted] T-[redacted] endorsement or the T-[redacted] endorsement. (The loan is a [redacted] Section [redacted] (a)([redacted]) home equity loan.)
The loan file does not evidence the Title Policy includes the [redacted]T-[redacted]endorsement or the T-[redacted]endorsement.
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
320
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided)
[redacted] Constitution Section [redacted] (a)([redacted]): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing.
The file is missing [redacted] - Itemized Disclosure of Fees
      
Reviewer Comment (2025-05-29): TX Affidavit reflects verbiage verifying receipt of fees 1 day prior to closing. Exception is clear.
 
 
Seller Comment (2025-05-29): Please see attached, internal timestamp confirmation that the closing package, which includes documentation on fees, costs, and charges, was delivered to the borrowers on 5/1
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
321
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
322
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
323
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Updated as per the source of the document correctly
      
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
324
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
325
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
326
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
327
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
328
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
329
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
330
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
330
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted](a)([redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
330
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver)
[redacted] Constitution Section [redacted](a)([redacted]): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing without a waiver.
Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted]([redacted]) business day prior to closing without a waiver.
      
Reviewer Comment (2025-05-29): TX Affidavit reflects verbiage verifying receipt of fees 1 day prior to closing. Exception is clear.
 
 
Reviewer Comment (2025-05-28): The requirement states that it must be a finalized itemization of the actual fees charged on the loan. The fees changed from the initial CD disclosed on 4/14 to the Final CD and therefore is not sufficient to satisfy this condition. Exception remains open.
 
 
Seller Comment (2025-05-22): The client was provided the initial closing disclosure on 4/14/2025 and the final CD on 5/2/2025 with the closing date being 4/28/25. Our evidentiary document is in your loan file on page 136.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
331
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
332
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
332
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within [redacted] calendar days of the Note.
  
Verification of employment is not within [redacted] calendar days of the Note.
      
Reviewer Comment (2025-05-21): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-21): Please be advised the Work Number report shows a "Verified On" date of 4/21/2025 which is less than 10 business days from 5/2. Please note that Fannie guidelines indicate business days rather than calendar days.
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
333
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-08): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/08/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
333
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted] Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
333
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Non-Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
333
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Missing W[redacted] as required by guidelines. W[redacted] provided in the file is blank.
      
Reviewer Comment (2025-05-23): W-2 received and associated. Exception cleared.
 
 
Seller Comment (2025-05-22): Please see attached, W2 with information filled in, as requested.
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
333
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted] ): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Missing W[redacted] as required by guidelines. W[redacted] provided in the file is blank.
      
Reviewer Comment (2025-05-23): W-2 received and associated. Exception cleared.
 
 
Seller Comment (2025-05-22): Please see attached, W2 with information filled in, as requested.
 
05/23/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
MD
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
333
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Missing W[redacted] as required by guidelines. W[redacted] provided in the file is blank.
      
Reviewer Comment (2025-05-23): W-2 received and associated. Exception cleared.
 
 
Seller Comment (2025-05-22): Please see attached, W2 with information filled in, as requested.
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
333
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
Missing W[redacted] as required by guidelines. W[redacted] provided in the file is blank.
      
Reviewer Comment (2025-05-23): W-2 received and associated. Exception cleared.
 
 
Seller Comment (2025-05-22): Please see attached, W2 with information filled in, as requested.
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
334
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
335
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
336
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
337
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NE
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
338
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
339
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
340
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
340
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan  (Other Debt)
[redacted] Constitution Section [redacted](a)[redacted]): [redacted] [redacted](a)([redacted]) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted][redacted](a)([redacted])-([redacted]) or ([redacted]). Unable to determine purpose of additional debt secured by the homestead.
File is missing Security Instrument for senior lien, [redacted] Loan Type.
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead
C
B
A
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
340
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (No evidence that borrower received copies of all documents signed at closing)
[redacted]Constitution Section [redacted](a)([redacted]):  [redacted] Cash-out Loan.   No evidence that borrower(s) received copies of all documents signed at time of closing.
No evidence that borrower(s) received copies of all documents signed at time of closing.
      
Reviewer Comment (2025-05-28): Required verbiage provided on the SI. Exception is clear.
 
 
Seller Comment (2025-05-22): 5/22: See the attached verification of closing disclosure and signed package provided to borrowers online portal.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
A
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
340
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided)
[redacted] Constitution Section [redacted](a)([redacted]): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing.
Final Itemized disclosure of fees, points, costs and charges not received by borrower at least [redacted] ([redacted]) business day prior to closing.
      
Reviewer Comment (2025-05-28): Proof of receipt provided. Exception is clear.
 
 
Seller Comment (2025-05-22): 5/22: See the attached verification of closing disclosure and signed package provided to borrowers online portal.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
A
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
341
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
341
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted]  Home Loan Toolkit Status
[redacted]Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower.
[redacted] CMPA Home Loan Toolkit is missing in file.
              
2
B
B
B
B
B
B
B
B
B
B
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
342
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
343
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
344
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
344
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - ATR
Ability to Repay (Dodd-Frank [redacted] ): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.
Failure due to:  [redacted] of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated 1040s; ) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated 1120S returns
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): A YTD profit/loss statement is not required in our home equity loan guidelines nor is it required in B3-3.2-01 of Fannie's guidelines.
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
344
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General Ability To Repay Provision Income and Assets - S-Corp
Ability to Repay (Dodd-Frank [redacted] ): Unable to verify S-Corp income using reasonably reliable third-party records.
ATR failure due to missing income documentation: year to date P&L for S-corp not provided in file.
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): A YTD profit/loss statement is not required in our home equity loan guidelines nor is it required in B3-3.2-01 of Fannie's guidelines.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
344
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM
NonQM ATR
Ability-to-Repay (Dodd-Frank [redacted] ): General Ability-to-Repay requirements not satisfied.
Failure due to:  [redacted] of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated 1040s; [redacted]) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated 1120S returns
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
05/28/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
345
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
346
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
346
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted]Constitution Section [redacted]a)([redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
346
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver)
[redacted] Constitution Section [redacted] (a)([redacted]): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing without a waiver.
        
Reviewer Comment (2025-05-29): TX Affidavit reflects verbiage verifying receipt of fees 1 day prior to closing. Exception is clear.
 
 
Seller Comment (2025-05-29): The evidentiary document on page 131/605 confirms the final CD was issued on 4/24 and acknowledged by the client.
 
 
Reviewer Comment (2025-05-28): The document provided does not verify receipt by the borrower which is required to meet timing requirements. Exception remains open.
 
 
Seller Comment (2025-05-23): Please see the attached evidence the Closing Package, including the Final CD was issued to the borrower on 4/29, 1 day prior to closing.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
347
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
348
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
due to income document is missing
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): The loan was qualified using SSI and 401k/IRA income. No self employment income was used to qualify therefore, no third party verification of said income is required.
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
348
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Schedule C
General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
Borrower income document is missing  Third Party Verification; [redacted]) CPA Letter; [redacted]) Audited or Third Party Prepared YTD P&L; [redacted]) Most recent transcript or signed/dated tax return (tax year end date no more than [redacted] days prior to Note Date
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): The loan was qualified using SSI and 401k/IRA income. No self employment income was used to qualify therefore, no third party verification of said income is required.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
348
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
348
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Waterfall due to missing income documentation.
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): The loan was qualified using SSI and 401k/IRA income. No self employment income was used to qualify therefore, no third party verification of said income is required.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
348
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Missing third party income verification
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): The loan was qualified using SSI and 401k/IRA income. No self employment income was used to qualify therefore, no third party verification of said income is required.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
348
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
Waterfall due to missing income documents.
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): The loan was qualified using SSI and 401k/IRA income. No self employment income was used to qualify therefore, no third party verification of said income is required.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
349
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
349
XXX
    
Compliance
Compliance
State Compliance
State Defect
[redacted] [redacted] Complaint Agency Disclosure Timing Test
[redacted] Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.
        
Reviewer Comment (2025-05-28): Per compliance: SitusAMC had previously reached out to outside counsel on the timing of the SC Complaint Agency Disclosure and was advised that while there’s a basis to use the technical definition of application, there’s also a basis to simply just use the 1003 as state regulations, particularly ones that pre-date the new TILA definition of application. Therefore, if the SC Compliant Agency Disclosure was provided and signed by borrower within 3 days of the initial 1003, the exception can be cleared
 
 
Seller Comment (2025-05-22): 5/22:The CHL Complaint agency disclosure was provided when  the 1003 had been signed. Per the aforementioned documentation, the disclosure was issued" at application'. The reviewer appears to be using an outdated definition of the "application date" in this scenario. It should be noted that the law
requiring the SC CHL Complaint Agency Disclosure went into effect 11 years BEFORE the existence of trid. Therefore, when citing the  absence of the disclosure "at application" the reviewer should be  referencing the date the 1003 was signed, not the 6 data point collection. Please review and clear or advise what the reviewer deems the  application date to be.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
350
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
351
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
352
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
353
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
354
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
ID
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
355
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
356
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted](a)([redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
AVM used for the appraisal value.
              
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
356
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section [redacted](a)([redacted]): Acceptable [redacted] title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the [redacted] T-[redacted] endorsement or the T-[redacted]endorsement. (The loan is a [redacted] Section [redacted](a)([redacted]) home equity loan.)
The loan file does not evidence the Title Policy includes the [redacted]T-[redacted]endorsement or the T-[redacted]endorsement.
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
356
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
357
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
358
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The loan is to be securitized. The supporting secondary valuation is missing.
      
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
358
XXX
    
Credit
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Missing Document: Appraisal not provided
  
No valuation product provided in loan file.
      
Reviewer Comment (2025-05-28): AVM provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please refer to page 289/483 DOC ID 0145 of the loan images for the AVM (Automated Valuation Model) that is used to calculate the value on this loan and allowable per product guidelines.
 
05/28/2025
    
1
  
A
  
A
  
A
  
A
  
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
359
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
360
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-08): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/08/2025
3
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
361
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely)
[redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within [redacted]([redacted]) business days of application.
Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within [redacted] business days of application.
              
2
B
B
B
B
B
B
B
B
B
B
  
OH
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
361
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
362
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
363
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
364
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
365
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Valuation provided is acceptable.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
366
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
367
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
368
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Transaction error and grid is outside of scope.
      
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
369
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
OK
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
369
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold)
[redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of[redacted] is equal to or greater than the threshold of APOR [redacted] Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
OK
Primary
Refinance - Cash-out - Other
No obvious cure
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
370
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
371
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
372
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
373
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
374
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
374
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted]Constitution Section [redacted](a)([redacted]): Acceptable [redacted]title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the[redacted]endorsement or the[redacted]endorsement. (The loan is a [redacted] Section [redacted] home equity loan.)
The loan file does not evidence the Title Policy includes the [redacted]endorsement or the[redacted]endorsement
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
C
B
C
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
374
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver)
[redacted]Constitution Section [redacted](a)([redacted]): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one ([redacted]) business day prior to closing without a waiver.
Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one ([redacted]) business day prior to closing without a waiver.
      
Reviewer Comment (2025-05-28): Proof of delivery/receipt has been provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see evidence of disclosure of points/charges in the closing package provided on 5/1.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
C
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
374
XXX
    
Credit
Guideline
Guideline Issue
Guideline
Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required.
  
Borrower has been on current job less than[redacted] years, and prior employment history was not documented as required.
      
Reviewer Comment (2025-05-28): Employment requirements have been met. Exception is clear.
 
 
Seller Comment (2025-05-27): Additional history is not required, borrower is required to disclose all employers within the past 24 months, and if there is no additional history in that 24 months none is required in addition to what has been provided. Borrower provided all employment history in past 24 months.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
375
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
376
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
376
XXX
    
Credit
Loan Package Documentation
Loan File
Missing Document
Missing Document: Hazard Insurance Policy not provided
          
Reviewer Comment (2025-05-28): HOI provided. Exception is clear.
 
 
Seller Comment (2025-05-28): Please see the attached HOI policy.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
376
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted]HPML Threshold Test Compliant
[redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]  Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Refinance - Cash-out - Other
No obvious cure
C
B
C
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
377
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens.
      
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
378
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
379
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
AK
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
380
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
381
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-08): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/08/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
382
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens.
      
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
382
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted]Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
Borrower did not received with written disclosure of non-higher priced loans
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
382
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted]HPML Threshold Test Non-Compliant
[redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted].  Non-Compliant Higher Priced Loan.
APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]Non-Compliant Higher Priced Loan.
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
382
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided)
[redacted]Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance.
Borrower did not received disclosure on responsibility for payment of taxes and insurance.
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
383
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
383
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted]Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
The lender/Assignee cannot conclusively rely on the Value on [redacted] Test performed using stated value or other valuation method in file other than appraisal.
              
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
383
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted]Constitution Section [redacted](a)(6): Acceptable [redacted]title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the[redacted]endorsement or the [redacted]endorsement. (The loan is a [redacted]Section [redacted] home equity loan.)
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
384
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
385
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Transaction error and grid is outside of scope.
      
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
385
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted]Home Loan Toolkit Timing
[redacted]Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower within three ([redacted]) business days of application.
The application date is[redacted] However, the document was provided[redacted]
              
2
B
B
B
B
B
B
B
B
B
B
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
386
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
387
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
388
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
389
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
390
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
391
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope. Please consult UWQ/Lead/CSM for further instruction.
      
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
391
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM
[redacted] ATR
Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied.
General Ability-to-Repay requirements not satisfied.
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
05/28/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
391
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General Ability To Repay Provision Employment - Schedule C Test
Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
unable to verify current [redacted]status using reasonably reliable third-party records.
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): Please review the top left corner of page 279 which shows the date that self-employment was obtained.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
VA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
391
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - [redacted]
Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of [redacted]does not match Due Diligence Loan Designation of ATR Fail.
Originator Loan Designation of [redacted]does not match Due Diligence Loan Designation of ATR Fail.
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
VA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
392
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
393
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
394
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
395
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
396
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
397
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
397
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - [redacted]
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted]  Most Recent Tax Return End Date [redacted] Tax Return Due Date [redacted].
Missing most recentApplication
              
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
398
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
AR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
399
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
400
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
401
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
401
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted]Constitution Section [redacted](a)(6): Acceptable [redacted]title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the [redacted]endorsement or the[redacted]endorsement. (The loan is a [redacted]Section [redacted] home equity loan.)
The loan file does not evidence the Title Policy includes the[redacted]endorsement or the[redacted]endorsement.
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
402
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
403
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope as second lien.
      
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
404
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
405
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
406
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
407
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
408
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
409
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
409
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan Safe Harbor Test
[redacted] appraisal Rule (Dodd-Frank [redacted]):[redacted] requirements not satisfied.
                
2
B
B
B
B
B
B
B
B
B
B
  
PA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
410
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
411
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
412
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
LA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
413
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
414
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
415
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
416
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
417
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
418
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
419
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
420
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
421
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
422
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
423
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
423
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted]Constitution Section [redacted]: Acceptable [redacted]  title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the[redacted][redacted] endorsement or the [redacted] endorsement. (The loan is a [redacted]Section [redacted] home equity loan.)
The loan file does not evidence the Title Policy includes the [redacted]endorsement or the[redacted]ndorsement.
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
423
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted]Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
[redacted]
              
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
424
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
425
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
426
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
427
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
428
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
429
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
430
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
431
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
432
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
433
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
434
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
435
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
436
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
437
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
438
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
WV
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
438
XXX
    
Compliance
Compliance
State Compliance
State Defect
West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees)
[redacted] Residential Mortgage Lender, Broker and Servicer Act: Borrower not charged actual amount for third party fees.
        
Reviewer Comment (2025-05-28): Fees have been verified and correctly disclosed. Exception is clear.
 
 
Seller Comment (2025-05-23): Please advise what fees borrower was not charged actual amounts for. The settlement statement matches all fees charged.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WV
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
439
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
440
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
441
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
    
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
442
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
443
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
KS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
444
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
445
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
446
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NE
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
447
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
OK
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
447
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold)
[redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR[redacted].  Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
OK
Primary
Refinance - Cash-out - Other
No obvious cure
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
448
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
449
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
IN
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
449
XXX
    
Credit
Borrower and Mortgage Eligibility
Mortgage / Program Eligibility
Borrower and Mortgage Eligibility
Guideline Requirement: Combined High loan to value discrepancy.
          
Reviewer Comment (2025-05-29): First lien balance has been updated. Exception is clear.
 
 
Seller Comment (2025-05-29): This is a Closed-End Second transaction and paying down the balance on the first lien is permitted for LTV/CLTV calculation purposes. Page 3 of the final executed Closing Disclosure (Pg 214/D173) confirms a $2,761.71 payment to XXX, which matches the first lien buy-down calculation included in our initial response. This should be sufficient for clearing the condition. We are a mortgage statement reflecting the reduced first lien balance dated prior to closing, as that information will only be available after this transaction has closed. We request that this be escalated for clearance as is.
 
 
Reviewer Comment (2025-05-27): Updated mortgage statement is required for unpaid mortgage balance $217,650 and document should be before closing date. Exception Remains.
 
 
Seller Comment (2025-05-23): We paid down the first lien to keep CLTV in line, please see the calculation below:
1st Lien Paydown calculation:
ACD: 5/5/2025 - Due Date of Last Payment: 4/1/2025 = 34 days
Amount to pay down: XXX (appraised value) * 85 (CLTV limit) -
XXX (CES loan amount) - 219,746.45 (unpaid mortgage balance) = -
2,096.45
Per Diem: 219,746.45 (unpaid mortgage balance) * 3.25 (interest
rate) / 365 = 19.57
Payoff amount: -2096.45 (amount to pay down) + 19.57 (per diem) *
34 (days of per diem) = 2,761.71
Updated principal: 217,650
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IN
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
449
XXX
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: Combined loan to value discrepancy.
          
Reviewer Comment (2025-05-29): First lien balance has been updated. Exception is clear.
 
 
Seller Comment (2025-05-29): This is a Closed-End Second transaction and paying down the balance on the first lien is permitted for LTV/CLTV calculation purposes. Page 3 of the final executed Closing Disclosure (Pg 214/D173) confirms a $2,761.71 payment to XXX, which matches the first lien buy-down calculation included in our initial response. This should be sufficient for clearing the condition. We are a mortgage statement reflecting the reduced first lien balance dated prior to closing, as that information will only be available after this transaction has closed. We request that this be escalated for clearance as is.
 
 
Reviewer Comment (2025-05-27): Updated mortgage statement is required for unpaid mortgage balance $217,650 and document should be before closing date. Exception Remains.
 
 
Seller Comment (2025-05-23): We paid down the first lien to keep CLTV in line, please see the calculation below:
1st Lien Paydown calculation:
ACD: 5/5/2025 - Due Date of Last Payment: 4/1/2025 = 34 days
Amount to pay down: XXX (appraised value) * 85 (CLTV limit) -
XXX (CES loan amount) - 219,746.45 (unpaid mortgage balance) = -
2,096.45
Per Diem: 219,746.45 (unpaid mortgage balance) * 3.25 (interest
rate) / 365 = 19.57
Payoff amount: -2096.45 (amount to pay down) + 19.57 (per diem) *
34 (days of per diem) = 2,761.71
Updated principal: 217,650
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IN
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
450
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
451
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
452
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope. Please consult UWQ/Lead/CSM for further instruction.
      
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
453
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope. Please consult UWQ/Lead/CSM for further instruction.
      
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
454
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
455
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
456
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
457
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
AR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
458
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
459
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
KS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
460
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
461
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
461
XXX
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: Investor qualifying total debt ratio discrepancy.
  
[redacted]variance due to[redacted]installment Accounts omitted in qualification due to being paid by Other parties. File does not contain the required [redacted]Months bank statements or cancelled checks required to omit the payments.
      
Reviewer Comment (2025-06-03): Statements to exclude debt have been provided. Exception is clear.
 
 
Seller Comment (2025-06-02): Please see attached.
 
 
Reviewer Comment (2025-05-30): We received the March 1- March 31st statement again. We do not have any additional statements that the ones previously listed.
 
 
Seller Comment (2025-05-30): Please confirm receipt of all 12 attached statements.
 
 
Reviewer Comment (2025-05-29): Previously provided March statement for business account received. We have the Jan-March statements verifying debts paid by the business however the guidelines requires 12 months. Exception remains open.
 
 
Seller Comment (2025-05-29): Please see the attached 12 months business account statements showing the payments for both the XXX and XXX accounts being paid.
 
06/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
461
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - [redacted]
Qualified Mortgage[redacted]: Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of [redacted]Risk.
Loan designation discrepancy to DTI variance due to[redacted] omitted in qualification due to being paid by other parties. File does not contain the required [redacted]Months bank statements or cancelled checks required to omit the payments.
      
Reviewer Comment (2025-06-03): Statements to exclude debt have been provided. Exception is clear.
 
 
Reviewer Comment (2025-05-29): Previously provided March statement for business account received. We have the Jan-March statements verifying debts paid by the business however the guidelines requires 12 months. Exception remains open.
 
 
Seller Comment (2025-05-29): Please see the attached 12 months business account statements showing the payments for both the XXX and XXX accounts being paid.
 
06/03/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
NY
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
461
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General [redacted]Provision Investor and [redacted]DTIs match and both significantly exceed Guidelines
General QM: The DTI calculated in accordance with the Lenders Guidelines and[redacted]significantly exceeds the guideline maximum of[redacted](DTI Exception requires compelling compensating factors to consider regrading to[redacted]
DTI variance due to[redacted]installment Accounts omitted in qualification due to being paid by other parties. File does not contain the required [redacted]Months bank statements or cancelled checks required to omit the payments.
      
Reviewer Comment (2025-06-03): Statements to exclude debt have been provided. Exception is clear.
 
 
Reviewer Comment (2025-05-29): Previously provided March statement for business account received. We have the Jan-March statements verifying debts paid by the business however the guidelines requires 12 months. Exception remains open.
 
 
Seller Comment (2025-05-29): Please see the attached 12 months business account statements showing the payments for both the XXX and XXX accounts being paid.
 
06/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
461
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General [redacted]Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
DTI variance due to [redacted] Accounts omitted in qualification due to being paid by other parties. File does not contain the required [redacted]Months bank statements or cancelled checks required to omit the payments.
      
Reviewer Comment (2025-06-03): Statements to exclude debt have been provided. Exception is clear.
 
 
Reviewer Comment (2025-05-29): Previously provided March statement for business account received. We have the Jan-March statements verifying debts paid by the business however the guidelines requires 12 months. Exception remains open.
 
 
Seller Comment (2025-05-29): Please see the attached 12 months business account statements showing the payments for both the XXX and XXX accounts being paid.
 
06/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
462
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
462
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - [redacted]
General [redacted]: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]
Most recent tax return missing in loan file with signature and date.
              
2
B
B
B
B
B
B
B
B
B
B
  
FL
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
463
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
464
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope as Second lien file
      
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
464
XXX
    
Credit
Loan Package Documentation
Loan File
Missing Document
Missing Document: Hazard Insurance Policy not provided
  
[redacted] policy is not provided in file
      
Reviewer Comment (2025-06-04): Policy provided. Exception is clear.
 
 
Seller Comment (2025-06-04): Please clear the exception as the H0-6 policy was provided.
 
06/04/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
464
XXX
    
Credit
Insurance
Insurance Documentation
Insurance
[redacted] Error: Missing [redacted] policy, blanket hazard insurance policy provided does not contain unit interior coverage.
  
Missing [redacted] policy.
      
Reviewer Comment (2025-05-29): HOI provided. Exception is clear.
 
 
Seller Comment (2025-05-29): Please see the attachments.
 
 
Reviewer Comment (2025-05-27): Blanket policy received however HO6 policy was not provided. Exception remains open.
 
 
Seller Comment (2025-05-23): Please see the attachment.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
465
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
466
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
467
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
468
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
469
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope is second lien.
      
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
470
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
471
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
472
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
473
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
474
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
475
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
475
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan [redacted] Test
TILA HPML appraisal Rule (Dodd-Frank [redacted] ): [redacted] requirements not satisfied.
No evidence of appraisal being sent to borrower [redacted] days prior to closing.
              
2
B
B
B
B
B
B
B
B
B
B
  
MI
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
476
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
477
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Transaction error and grid is outside of scope.
      
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
VT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
478
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
479
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
480
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
481
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
482
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
483
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
484
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
485
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
485
XXX
    
Credit
Asset
Asset Calculation / Analysis
Asset
Available for Closing is insufficient to cover Cash From Borrower.
Documented qualifying Assets for Closing of  ___ is less than Cash From Borrower ___.
Assets were not provided.
      
Reviewer Comment (2025-05-27): Assets are not required to be verified. Exception is clear.
 
 
Seller Comment (2025-05-22): Please see the attached guideline indicating funds to close less than $500 do not need to be documented, the CES guidelines default to Fannie guidance in this case.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
486
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
487
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
488
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
489
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
490
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
491
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope. Please consult UWQ/Lead/CSM for further instruction.
      
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
492
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
493
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
494
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
495
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
496
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
497
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
498
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
498
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - ATR Risk
Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.
Waterfall due to both borrowers not having a [redacted] year job history. Current employers are less then [redacted] years with no prior job history provided.
      
Reviewer Comment (2025-05-27): In this loan, only 1 year history is required and 1 year employment history is available in file. Exception Cleared.
 
 
Seller Comment (2025-05-23): Guidelines for this product do not require a 2 years history. It only requires that all employers from the previous 24 months be documented. This is not the same as needing a 2 year history. Please review to clear this condition.
 
05/27/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM Loan Designation
C
A
C
A
C
A
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
498
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - ATR Impact
Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Waterfall due to both borrowers not having a [redacted] year job history. Current employers are less then [redacted] years with no prior job history provided.
      
Reviewer Comment (2025-05-27): In this loan, only 1 year history is required and 1 year employment history is available in file. Exception Cleared.
 
 
Seller Comment (2025-05-23): Guidelines for this product do not require a 2 years history. It only requires that all employers from the previous 24 months be documented. This is not the same as needing a 2 year history. Please review to clear this condition.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
498
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Both borrowers not having a [redacted]-year job history. Current employers are less then [redacted] years with no prior job history provided.
      
Reviewer Comment (2025-05-27): In this loan, only 1 year history is required and 1 year employment history is available in file. Exception Cleared.
 
 
Seller Comment (2025-05-23): Guidelines for this product do not require a 2 years history. It only requires that all employers from the previous 24 months be documented. This is not the same as needing a 2 year history. Please review to clear this condition.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
498
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General Ability To Repay Provision Investor Guidelines
Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk.
Waterfall due to both borrowers not having a [redacted]-year job history. Current employers are less then [redacted] years with no prior job history provided.
      
Reviewer Comment (2025-05-27): In this loan, only 1 year history is required and 1 year employment history is available in file. Exception Cleared.
 
 
Seller Comment (2025-05-23): Guidelines for this product do not require a 2 years history. It only requires that all employers from the previous 24 months be documented. This is not the same as needing a 2 year history. Please review to clear this condition.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
499
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
500
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
501
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
502
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Updated as per the source of the document correctly
      
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
503
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
504
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
505
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
506
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
507
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
508
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Debt Consolidation
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
509
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
510
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
511
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
511
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided)
[redacted]Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure.
                
2
B
B
B
B
B
B
B
B
B
B
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
511
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date
Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted].
The borrower did not sign the final Closing Disclosure and Right to Cancel until [redacted]; therefore, the Expected Expiration is [redacted] and the loan disbursement date is [redacted].
      
Reviewer Comment (2025-06-04): All remediation documents have been provided. Exception is cured.
 
 
Seller Comment (2025-06-04): Please see the attached ROR package mailed to borrower along with evidence of delivery, recission period has ended as of 6/3 at midnight.
 
06/04/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OH
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
511
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date
Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
The borrower did not sign the final Closing Disclosure and Right to Cancel until [redacted], therefore, the Expected Expiration is [redacted] and the loan Right to Cancel reflects [redacted].
      
Reviewer Comment (2025-06-04): All remediation documents have been provided. Exception is cured.
 
  
06/04/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OH
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
512
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
513
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
514
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
514
XXX
    
Credit
Loan Package Documentation
Loan File
Missing Document
Missing Document: Hazard Insurance Policy not provided
          
Reviewer Comment (2025-05-21): HOI provided. Exception is clear.
 
 
Seller Comment (2025-05-21): Please see the attached HOI policy for the subject property.
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TN
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
514
XXX
    
Credit
Hazard Insurance
Document Error
Hazard Insurance
Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.
          
Reviewer Comment (2025-05-27): HOI provided. Exception is clear.
 
 
Seller Comment (2025-05-22): Please be advised this is not a closed end second requirement, the only requirement for insurance on this product is to verify that a policy exists.
 
05/27/2025
    
1
  
A
  
A
  
A
  
A
  
A
  
TN
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
515
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
515
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date
Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted].
Final CD was executed by the borrower on [redacted] which updates the transaction date to the dame. The RTC provided was executed on [redacted] with an expiration date of [redacted].
      
Reviewer Comment (2025-05-28): Lender attests date reflected on the Final CD is a typo. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see page 271 of the loan file. The esign audit log confirms the closing disclosure and other documents were delivered and signed on 4/28, the same as the closing date. The "4/29" date on the signature line of the closing disclosure is a typo.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
515
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date
Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
Final CD was executed by the borrower on [redacted] which updates the transaction date to the dame. The RTC provided was executed on [redacted] with an expiration date of [redacted].
      
Reviewer Comment (2025-05-28): Lender attests date reflected on the Final CD is a typo. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see page 271 of the loan file. The esign audit log confirms the closing disclosure and other documents were delivered and signed on 4/28, the same as the closing date. The "4/29" date on the signature line of the closing disclosure is a typo.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
516
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
IN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
517
XXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
          
Reviewer Comment (2025-05-23): Property is vacant land HOI not required. Exception cleared
 
 
Seller Comment (2025-05-22): This is property is vacant land so HOI is not required. The property tax info is in your loan file on page 197.
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
517
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
518
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
519
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
520
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
521
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
522
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
523
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
524
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
525
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
526
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
526
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%  Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Refinance - Cash-out - Other
No obvious cure
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
527
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
528
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
528
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Points and Fees Exceeds 2% of Original Principal Balance)
[redacted] Constitution Section [redacted](a)([redacted]): Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Original Principal Loan Amount. Points and Fees total $[redacted]on an Original Principal Loan Amount of $[redacted] vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%.)
        
Reviewer Comment (2025-05-27): Undiscounted rate and undiscounted price provided. Exception is clear.
 
 
Seller Comment (2025-05-23): Please exclude the bonafide points. Attached are screenshots of the undiscounted rate of 10%, the selected rate of 9.75% and the rate adjustor applied resulting on the note rate of 9.625%. The rate adjustor should be applied to both the undiscounted and selected rate. The bonafide buy down is .75 points to be excluded.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.])
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
529
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
530
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
530
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Security Instrument did not disclose that loan is a Texas Home Equity Loan)
[redacted] Constitution Section [redacted](a)([redacted]):  [redacted]Cash-out Loan. Security instrument does not disclose that the loan is a [redacted]Home Equity/[redacted](a)([redacted]) Loan.
        
Reviewer Comment (2025-05-27): Data has been updated for the Security Instrument. Exception is clear.
 
 
Seller Comment (2025-05-22): Please see page 365 of the loan file. The Texas Home Equity Note states "This is an extension of credit defined by Section 50(a)(6)..."
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
530
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted]  Constitution Section [redacted](a)([redacted]): Acceptable [redacted] title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted] T-[redacted]endorsement or the T-[redacted]endorsement. (The loan is a [redacted]Section [redacted](a)([redacted]) home equity loan.)
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
530
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan  (Other Debt)
[redacted] Constitution Section [redacted](a)([redacted]): [redacted] [redacted] (a)([redacted]) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted] [redacted](a)([redacted])-([redacted]) or ([redacted]). Unable to determine purpose of additional debt secured by the homestead.
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
531
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
532
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
533
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
534
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope. Please consult [redacted]/[redacted]/[redacted]for further instruction.
      
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
535
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
536
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
537
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
IN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
538
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
539
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
540
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
541
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
542
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
543
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
AR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
544
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
545
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
546
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
547
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
548
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
549
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
550
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
551
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
552
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
553
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
554
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
555
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
556
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
OK
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
557
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
558
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope. Please consult [redacted]/[redacted]/[redacted]for further instruction.
      
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
559
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope as second lien
      
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
560
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
561
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope. Please consult [redacted] for further instruction.
      
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
IN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
562
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
563
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
564
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
565
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
566
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
567
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
568
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
569
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Second Home
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
570
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
571
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
572
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
572
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted](a)([redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
AVM used for valuation.
              
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
572
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver)
[redacted] Constitution Section [redacted](a)([redacted]): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted]  ([redacted]) business day prior to closing without a waiver.
File is missing evidence of receipt of final itemized disclosure of fees, points, costs and charges at least [redacted] ([redacted]) business day prior to closing.
      
Reviewer Comment (2025-05-29): TX Affidavit reflects verbiage verifying receipt of fees 1 day prior to closing. Exception is clear.
 
 
Reviewer Comment (2025-05-28): The document provided does not verify receipt by the borrower which is required to verify timing requirements were met. Exception remains open.
 
 
Seller Comment (2025-05-28): Attached is a screenshot from our system confirming the borrower received a copy of the closing package. This satisfies both exceptions as it confirms 1) that the borrower received a copy and 2) that it was within the required time. Please review to clear this exception.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
572
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (No evidence that borrower received copies of all documents signed at closing)
[redacted] Constitution Section [redacted] (a)([redacted]):  [redacted] Cash-out Loan.   No evidence that borrower(s) received copies of all documents signed at time of closing.
No evidence that borrower(s) received copies of all documents signed at time of closing.
      
Reviewer Comment (2025-05-28): Required verbiage is within the SI. Exception is clear.
 
 
Seller Comment (2025-05-28): Attached is a screenshot from our system confirming the borrower received a copy of the closing package. This satisfies both exceptions as it confirms 1) that the borrower received a copy and 2) that it was within the required time. Please review to clear this exception.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
573
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
574
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope as second lien
      
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
575
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
576
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
ID
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
577
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
578
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens.
      
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
579
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
580
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
581
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
581
XXX
    
Credit
Guideline
Guideline Issue
Guideline
Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required.
  
Missing Gap letter or other documentation for gap in employment of over [redacted] months from [redacted] to [redacted].
      
Reviewer Comment (2025-05-27): Employment verification meets requirements. Exception is clear.
 
 
Seller Comment (2025-05-27): Per Fannie, B3-3.1-03 " A minimum history of two years of employment income is recommended. However, income that has been received for a shorter period of time may be considered as acceptable income, as long as the borrower’s employment profile demonstrates that there are positive factors to reasonably offset the shorter income history." There is no mention of gap letter. Please clear this exception as it is invalid.
 
 
Reviewer Comment (2025-05-23): Please provide Gap letter for gap in employment of over 12 months from 5/2023 to 9/2024, Exception remains.
 
 
Seller Comment (2025-05-22): There is no requirement for a gap letter for this product. The borrower is only required to provide additional history which they did provide, the gap between the employers does not need to be explained in a gap letter.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
582
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
583
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
583
XXX
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.
Disaster Name: ___
Disaster Declaration Date: ___
Inspection in file is dated [redacted].
      
Reviewer Comment (2025-05-29): Valuation provided is acceptable. Exception is clear.
 
 
Seller Comment (2025-05-29): The declaration date of the disaster is not an indication of when the disaster occurred, it is however when the government identifies that a disaster has (past tense) occurred. The disaster declaration date occurs after the disaster. The incident start date is on 4/2, meaning the disaster occurred on 4/2 and is continuing as a result, the declaration date is not an indication of when the disaster occurred nor is it a declaration of when a disaster has occurred or ended. The disaster inspection occurred after the incident start date, and the lender has taken " prudent and reasonable actions to determine whether the condition of the property may have materially changed” as required by Section B2-3-05 of Fannie guide.
 
 
Reviewer Comment (2025-05-27): Exception History - 05/27/2025
Disaster declaration date 04/24/2025; The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.
 
 
Reviewer Comment (2025-05-27): Disaster declaration date is 4/24/2025. Inspection must take place after the declaration date.
 
 
Seller Comment (2025-05-23): Please see the attached disaster inspection.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
KY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
584
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
585
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
586
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
587
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
588
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
IN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
589
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
590
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
591
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
592
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
593
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
593
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Paystub missing on file
      
Reviewer Comment (2025-05-27): Paystub provided. Exception is clear.
 
 
Seller Comment (2025-05-23): Please see attached paystub.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
593
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Paystub missing on file
      
Reviewer Comment (2025-05-27): Paystub provided. Exception is clear.
 
 
Seller Comment (2025-05-23): Please see attached paystub.
 
05/27/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
MD
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
593
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Paystub missing on file
      
Reviewer Comment (2025-05-27): Paystub provided. Exception is clear.
 
 
Seller Comment (2025-05-23): Please see attached paystub.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
593
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
Paystub missing on file
      
Reviewer Comment (2025-05-27): Paystub provided. Exception is clear.
 
 
Seller Comment (2025-05-23): Please see attached paystub.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
594
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
595
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
596
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
597
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
    
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
597
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML [redacted] Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-05-23): Appraisal delivery document received. Exception cleared
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
597
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation.
        
Reviewer Comment (2025-05-23): Appraisal delivery document received. Exception cleared
 
 
Seller Comment (2025-05-22): Please see the attached appraisal cover letter disclosed with the appraisal prior to closing.
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
598
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
599
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Transaction error and grid is outside of scope.
      
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
600
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
601
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
601
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Originator Loan Designation mismatch due to Most recent K-1/P&L missing for Year [redacted].
      
Reviewer Comment (2025-05-27): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): A k-1 or profit/loss is not required for a borrower who is less than 25% owner of a business and it is not required in Fannie B3-3.2-01
 
05/27/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
MA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
601
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - K-1 Less Than [redacted] Percent
General QM: Unable to verify current K-1 (Less than [redacted]% Ownership) status using reasonably reliable third-party records.
Most recent K-1/P&L missing for Year [redacted].
      
Reviewer Comment (2025-05-27): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): A k-1 or profit/loss is not required for a borrower who is less than 25% owner of a business and it is not required in Fannie B3-3.2-01
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
601
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - K-1 Less Than [redacted] Percent
General QM: Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records.
Most recent K-1/P&L missing for Year [redacted].
      
Reviewer Comment (2025-05-27): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): A k-1 or profit/loss is not required for a borrower who is less than 25% owner of a business and it is not required in Fannie B3-3.2-01
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
601
XXX
    
Compliance
Compliance
State Compliance
Compliance
Massachusetts Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement
[redacted] Home Loan: Mortgage loan does not qualify under Borrower's Interest [redacted] for anti-flipping provisions.
        
Reviewer Comment (2025-05-27): Income has been sufficiently verified. Exception is clear.
 
05/27/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
601
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%  Compliant Higher Priced Loan.
Missing undiscounted rate and undiscounted pricing.
              
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Refinance - Cash-out - Other
No obvious cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
602
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
603
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
604
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
605
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
606
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
607
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
607
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML [redacted] Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Mortgage Loan.
Loan is non-compliant HPML due to missing evidence of appraisal delivery [redacted] days prior to closing.
      
Reviewer Comment (2025-05-29): Proof of receipt provided. Exception is clear.
 
 
Seller Comment (2025-05-29): Please see the attached screenshot showing the appraisal was viewed on 4/24.
 
 
Reviewer Comment (2025-05-28): Exception Remains - The doc ID D0375 states the copy appraisal report has been obtained by the lender. But we borrower received or not it not mentioned. Provide the proof of delivery within three (3) business days prior to consummation.
 
 
Seller Comment (2025-05-27): The appraisal cover letter on page 545/605 confirms the borrower received a copy of the appraisal prior to closing.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
607
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation.
      
Reviewer Comment (2025-05-29): Proof of receipt provided. Exception is clear.
 
 
Reviewer Comment (2025-05-28): Exception Remains - The doc ID D0375 states the copy appraisal report has been obtained by the lender. But we borrower received or not it not mentioned. Provide the proof of delivery within three (3) business days prior to consummation.
 
 
Seller Comment (2025-05-27): The appraisal cover letter on page 545/605 confirms the borrower received a copy of the appraisal prior to closing.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
607
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM
Self-Employed Tax Return Recency - ATR
Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent.  Exception can be left open or waived as it cannot be cured or cleared.
              
2
B
B
B
B
B
B
B
B
B
B
  
UT
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
608
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
609
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Failure due to: [redacted] or more of the following missing documents is required for this employment type: Redacted) Third Party Verification; Redacted) CPA Letter; Redacted) Audited or Third Party Prepared YTD P&L; Redacted) Most recent transcript or signed/dated tax return (tax year end date no more than Redacteddays prior to Note Date); Redacted) Other document where "Reliable Third Party Source Employment" is checked; Redacted) [redacted]
      
Reviewer Comment (2025-05-27): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): Please refer to page 301/407 DOC ID 0153 of the loan images confirming the business was open and active within the required timeframe prior to closing, the timestamp at the top of the page notes this was completed 4/18/2025.
 
05/27/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
ME
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
609
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Schedule C
General QM: Unable to verify current Sole Proprietorship status using reasonably reliable [redacted]-party records.
Failure due to: [redacted] or more of the following missing documents is required for this employment type: Redacted) Third Party Verification; Redacted) CPA Letter; Redacted) Audited or Third Party Prepared YTD P&L; Redacted) Most recent transcript or signed/dated tax return (tax year end date no more than [redacted] days prior to Note Date); [redacted]) Other document where "Reliable Third Party Source Employment" is checked; Redacted) 1099
      
Reviewer Comment (2025-05-27): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): Please refer to page 301/407 DOC ID 0153 of the loan images confirming the business was open and active within the required timeframe prior to closing, the timestamp at the top of the page notes this was completed 4/18/2025.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ME
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
609
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - Schedule C
General QM: Unable to verify Sole Proprietorship income using reasonably reliable [redacted]-party records.
Failure due to: [redacted] or more of the following missing documents is required for this employment type: Redacted) Third Party Verification; Redacted) CPA Letter; Redacted) Audited or Third Party Prepared YTD P&L; Redacted) Most recent transcript or signed/dated tax return (tax year end date no more than Redacted days prior to Note Date); [redacted]) Other document where "Reliable [redacted] Party Source Employment" is checked; Redacted) 1099
      
Reviewer Comment (2025-05-27): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): Please refer to page 301/407 DOC ID 0153 of the loan images confirming the business was open and active within the required timeframe prior to closing, the timestamp at the top of the page notes this was completed 4/18/2025.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ME
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
609
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Failure due to: [redacted] or more of the following missing documents is required for this employment type: [redacted]) [redacted]Party Verification; [redacted]) CPA Letter; [redacted]) Audited or [redacted] Party Prepared YTD P&L; [redacted]) Most recent transcript or signed/dated tax return (tax year end date no more than [redacted] days prior to Note Date); [redacted]) Other document where "Reliable [redacted]Party Source Employment" is checked; [redacted]) 1099
      
Reviewer Comment (2025-05-27): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): Please refer to page 301/407 DOC ID 0153 of the loan images confirming the business was open and active within the required timeframe prior to closing, the timestamp at the top of the page notes this was completed 4/18/2025.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ME
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
609
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Most recent P&L, Signed & dated 1040's and Third-party verification are missing for borrower. Two years employment history not provided for co-borrower.
      
Reviewer Comment (2025-05-27): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): Please refer to page 301/407 DOC ID 0153 of the loan images confirming the business was open and active within the required timeframe prior to closing, the timestamp at the top of the page notes this was completed 4/18/2025.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ME
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
609
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
ME
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
609
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk.
Waterfall due to most recent P&L, Signed & dated 1040's and [redacted]-party verification are missing for borrower. [redacted] years employment history not provided for co-borrower.
      
Reviewer Comment (2025-05-27): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): Please refer to page 301/407 DOC ID 0153 of the loan images confirming the business was open and active within the required timeframe prior to closing, the timestamp at the top of the page notes this was completed 4/18/2025.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ME
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
610
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Transaction error and grid is outside of scope.
      
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
611
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
611
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML [redacted] Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Mortgage Loan.
Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan.
      
Reviewer Comment (2025-05-28): Proof of delivery for the appraisal was provided on the evidentiary document. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see the attached screen shots from our LOS pricing history screen. The final rate of 11.25% was set on 4/24/2025 putting the APOR value at XXX% and not the XXX% being used in your testing. Please use the correct APOR to clear this issue.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
KY
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
611
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation.
No evidence that borrower received a copy of appraisal [redacted] business days to closing.
      
Reviewer Comment (2025-05-28): Proof of delivery for the appraisal was provided on the evidentiary document. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see the attached screen shots from our LOS pricing history screen. The final rate of 11.25% was set on 4/24/2025 putting the APOR value at XXX% and not the XXX% being used in your testing. Please use the correct APOR to clear this issue.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
KY
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
612
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
613
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
614
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
. The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
615
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope
      
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
615
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Missing W[redacted]. W[redacted] provided in the file is blank.
      
Reviewer Comment (2025-05-28): W-2 Document received - Exception cleared.
 
 
Seller Comment (2025-05-27): Please see the attached W2.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
615
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Missing W[redacted]. W[redacted] provided in the file is blank.
      
Reviewer Comment (2025-05-28): W-2 Document received - Exception cleared.
 
 
Seller Comment (2025-05-27): Please see the attached W2.
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
SC
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
615
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Missing W[redacted]. W[redacted] provided in the file is blank.
      
Reviewer Comment (2025-05-28): W-2 Document received - Exception cleared.
 
 
Seller Comment (2025-05-27): Please see the attached W2.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
615
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
Missing W[redacted]. W[redacted] provided in the file is blank.
      
Reviewer Comment (2025-05-28): W-2 Document received - Exception cleared.
 
 
Seller Comment (2025-05-27): Please see the attached W2.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
616
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
IN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
617
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MT
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
617
XXX
    
Credit
Loan Package Documentation
Loan File
Missing Document
Missing Document: Hazard Insurance Policy not provided
  
Hazard Insurance Policy is missing.
      
Reviewer Comment (2025-05-27): HOI provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see page 55 of the loan file. The insurance information confirms property address and coverage dates.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MT
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
618
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
618
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%  Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Refinance - Cash-out - Other
No obvious cure
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
618
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
The file is missing the [redacted] W[redacted] for the borrower's current employment.
      
Reviewer Comment (2025-05-27): W2 provided. Exception is clear.
 
 
Seller Comment (2025-05-23): Please see attached W2
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
618
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted] ): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Due to the file is missing the [redacted] W-[redacted] form for the borrower's current employment.
    
Reviewer Comment (2025-05-27): W2 provided. Exception is clear.
 
05/27/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
MA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
618
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk.
Due to the file is missing the [redacted] W-[redacted] form for the borrower's current employment.
      
Reviewer Comment (2025-05-27): W2 provided. Exception is clear.
 
 
Seller Comment (2025-05-23): Please see attached W2
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
618
XXX
    
Compliance
Compliance
State Compliance
Compliance
Massachusetts Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement
[redacted] Home Loan: Mortgage loan does not qualify under Borrower's Interest[redacted] for anti-flipping provisions.
Due to the file is missing the [redacted] W-[redacted] form for the borrower's current employment.
      
Reviewer Comment (2025-05-27): W2 provided. Exception is clear.
 
05/27/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
619
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Waterfall due to missing lease agreement for property #[Redacted]
      
Reviewer Comment (2025-05-29): Tax returns 2024 provided. Exception cleared.
 
 
Seller Comment (2025-05-29): Please see the tax returns attached.
 
 
Reviewer Comment (2025-05-28): Tax returns were not provided in the file. Rental income was calculated using the vacancy method. Lease agreement or rent comparison is required to verify rent used. Exception remains open.
 
 
Seller Comment (2025-05-27): A lease agreement is not required for a property that is listed on the borrowers tax return as being rented and is not the subject property.
 
05/29/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
NV
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
619
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - REO [redacted]% Method
General QM: Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records.
Lease agreement was not provided for property #[Redacted]
      
Reviewer Comment (2025-05-29): Tax returns 2024 provided. Exception cleared.
 
 
Seller Comment (2025-05-29): Please see the tax returns attached.
 
 
Reviewer Comment (2025-05-28): Tax returns were not provided in the file. Rental income was calculated using the vacancy method. Lease agreement or rent comparison is required to verify rent used. Exception remains open.
 
 
Seller Comment (2025-05-27): A lease agreement is not required for a property that is listed on the borrowers tax return as being rented and is not the subject property.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NV
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
619
XXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
  
Lease Agreement was not provided for property [Redacted]
      
Reviewer Comment (2025-05-29): Tax returns 2024 provided. Exception cleared.
 
 
Seller Comment (2025-05-29): Please see the tax returns attached.
 
 
Reviewer Comment (2025-05-28): Tax returns were not provided in the file. Rental income was calculated using the vacancy method. Lease agreement or rent comparison is required to verify rent used. Exception remains open.
 
 
Seller Comment (2025-05-27): A lease agreement is not required for a property that is listed on the borrowers tax return as being rented and is not the subject property.
 
05/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NV
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
619
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
620
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
621
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Updated as per the provided source of the document correctly
      
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
622
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
623
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
624
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
625
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
    
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
626
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
627
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope. Please consult [redacted] for further instruction.
      
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
628
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
629
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
630
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
631
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
632
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
633
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
634
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Updated as per the as per the source of the document correctly
      
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
635
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
636
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
637
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
638
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
639
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
640
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
641
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
DE
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
642
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted] Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
HPML Disclosure is missing.
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
642
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Non-Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Loan.
APR of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
642
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
643
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
644
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope as Second lien.
      
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
645
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
646
XXX
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
Missing Document: Bankruptcy Documents not provided
  
Bankruptcy Documents are missing in loan file.
      
Reviewer Comment (2025-05-27): BK meets seasoning requirements. Exception is clear.
 
 
Seller Comment (2025-05-23): 5/23: Bankruptcy documents are not required. The credit report shows the bankruptcy was discharged greater than the required period to complete transaction.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MI
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
646
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
647
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
648
XXX
    
Credit
System
General
Appraisal Reconciliation
Valuation address does not match Note address.
  
AVM state the City is [redacted], while the Notes states [redacted].
      
Reviewer Comment (2025-05-27): Zip code search verified both cities acceptable for zip code. Exception is clear.
 
 
Seller Comment (2025-05-23): The legal description, title report, all describe the property as in XXX. Also the tax cert which uses the APN for the property matches the AVM which makes the city listed an immaterial difference between the properties.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
648
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
649
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
650
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
651
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
652
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
653
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
654
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
655
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
    
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
656
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
657
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
658
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided)
[redacted] Subprime Loan: Counseling Disclosure not provided to borrower.
Counseling Disclosure not provided to borrower.
              
2
B
B
B
B
B
B
B
B
B
B
  
NY
Primary
Refinance - Cash-out - Other
No obvious cure
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
658
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Provision) New York Subprime Loan (Escrow Not Established)
[redacted] Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan.  It also does not apply if the borrower can demonstrate a record of [redacted] months of timely payments of taxes and insurance on a previous home loan.)
[redacted] Subprime Escrow Account disclosure not provided.
              
2
B
B
B
B
B
B
B
B
B
B
  
NY
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
658
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] Subprime Home Loan Threshold Fixed Non-Compliant
[redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted]%, or [redacted]%.  Non-Compliant SubPrime Loan.
APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan.
              
2
B
B
B
B
B
B
B
B
B
B
  
NY
Primary
Refinance - Cash-out - Other
(Limited Use Bona Fide Errors - Compliance and Client Approval Required)  With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier).  Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
658
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
659
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
660
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
661
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
662
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope as second lien
      
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
663
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
664
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
664
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted] ): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
The file is missing Most recent signed & dated [redacted]
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): Guidelines do not require the signed and dated tax returns if the fully executed 4506-C documentation is provided. The 4506-C is in your loan file on pages 271-274.
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
AL
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
664
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - Schedule C
General QM: Unable to verify Sole Proprietorship income using reasonably reliable [redacted]-party records.
The file is missing Most recent signed & dated [redacted]
      
Reviewer Comment (2025-05-28): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-05-27): Guidelines do not require the signed and dated tax returns if the fully executed 4506-C documentation is provided. The 4506-C is in your loan file on pages 271-274.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
665
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Transaction error and grid is outside of scope.
      
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
666
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
667
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
668
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan Designation discrepancy due to missing paystub and W-2's income documents co-borrower.
      
Reviewer Comment (2025-05-28): Income documents provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached documents, w2 and paystub as requested.
 
05/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
MD
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
668
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - Wages
General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE.
Waterfall due to  due to missing paystub and W-2's income documents co-borrower.
      
Reviewer Comment (2025-05-28): Income documents provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached documents, w2 and paystub as requested.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
668
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Paystub and W-2's income documents are missing for co-borrower.
      
Reviewer Comment (2025-05-28): Income documents provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached, Paystub for b2 as requested.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
668
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
668
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
  
Missing paystub and W-2's income documents co-borrower.
      
Reviewer Comment (2025-05-28): Income documents provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached, W2 for co-borrower as requested
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
668
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Missing paystub and W-2's income documents co-borrower.
      
Reviewer Comment (2025-05-28): Income documents provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached documents, w2 and paystub as requested.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
668
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk.
Waterfall due to  due to missing paystub and W-2's income documents co-borrower.
      
Reviewer Comment (2025-05-28): Income documents provided. Exception is clear.
 
 
Seller Comment (2025-05-27): Please see attached documents, w2 and paystub as requested.
 
05/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MD
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
669
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
670
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
671
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
672
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
673
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
674
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
675
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
676
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
677
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
677
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted]Tangible Net Benefit Disclosure
[redacted]Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower.
Missing Tangible Net Benefit Disclosure.
              
2
B
B
B
B
B
B
B
B
B
B
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
678
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
679
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
680
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
681
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
682
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
NY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
683
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
683
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted]Tangible Net Benefit Disclosure
[redacted]Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
684
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
685
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
686
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
687
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
688
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
689
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
690
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
691
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception, which is informational only and does not impact grading.
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
691
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
The verification of employment is required and was not found in file.
          
Reviewer Comment (2025-05-27): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-23): 5/23: please see the most recent upload.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
691
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within [redacted]business days of the Note.
          
Reviewer Comment (2025-05-27): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-23): 5/23: please see the most recent upload.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
691
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Missing verification of employment dated within [redacted]days of note.
      
Reviewer Comment (2025-05-27): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-23): 5/23: please see the attachment.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
691
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Waterfall due to missing verification of employment.
      
Reviewer Comment (2025-05-27): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-23): 5/23: please see the most recent upload.
 
05/27/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
MA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
691
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Waterfall due to missing verification of employment.
      
Reviewer Comment (2025-05-27): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-23): 5/23: please see the most recent upload.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
691
XXX
    
Compliance
Compliance
State Compliance
Compliance
Massachusetts Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement
[redacted] Home Loan: Mortgage loan does not qualify under Borrower's Interest Safe Harbor for anti-flipping provisions.
        
Reviewer Comment (2025-05-27): VVOE provided. Exception is clear.
 
05/27/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
691
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk.
Waterfall due to missing verification of employment.
      
Reviewer Comment (2025-05-27): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-05-23): 5/23: please see the most recent upload.
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
692
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-05-05): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.
 
 
Buyer Comment (2025-05-02): checks
 
 
Reviewer Comment (2025-04-28): SitusAMC received rebuttal comment. However, we also required copy of refund check and proof of mailing label to borrower is required to cure this exception or else provided Final Settlement Statement to verify the lender credit applied and confirmation on email from borrower that they received copy of check in order to cure this exception.
 
 
Buyer Comment (2025-04-25): a snippet showing check was sent out was provided. seller stated that they use a check mailing service called CorPay and it’s in their system. We don’t have access to see a copy of the check, just that the service generated the check.
If they require, then I will not be able to obtain before end of month.
Please advise if an exception to proceed as is, is applicable?
 
 
Reviewer Comment (2025-04-25): SitusAMC received Post CD and LOX. However, we would proof of mailing and copy of refund check in order to cure the exception.
 
 
Buyer Comment (2025-04-24): lox/pccd
 
 
Reviewer Comment (2025-04-17): SitusAMC received COC dated 03/12/2025, however fee increased on CD dated 03/03/2025. A valid COC within 3 days of CD dated 03/03/2025 is required. A valid Changed Circumstance or cure is required.  Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.
 
 
Buyer Comment (2025-04-15): Initial LE issued 1/31
CIC error in printing page 315, so Compliance leadership drafted a letter to borrower with CIC language. Issued 3/12 page 316
Initial CD issued 3/12
 
05/05/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CO
Primary
Refinance - Cash-out - Home Improvement
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
693
XXX
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.
Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___
AVM used, missing exterior property inspection required by guidelines.
      
Reviewer Comment (2025-05-05): PDI provided and cleared.
 
 
Buyer Comment (2025-05-05): Inspection uploaded
 
05/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
GA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
694
XXX
    
Credit
Credit
Credit Documentation
Guideline
The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.
  
Missing VOM/VOR to satisfy guideline requirement, needs to cover [redacted] mos.
      
Reviewer Comment (2025-05-05): Not a purchase, Sr. not yet reporting on CR.  Acceptable per guides, cleared.
 
 
Buyer Comment (2025-05-05): lox and note
 
05/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
697
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
    
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
698
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
698
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
Most recent [redacted] for year [redacted] is missing
              
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
699
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
AR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
700
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
701
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
702
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
703
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely)
[redacted]Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within [redacted] ([redacted]) business days of application.
Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within [redacted] ([redacted]) business days of application.
              
2
B
B
B
B
B
B
B
B
B
B
  
OH
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
703
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided)
[redacted]Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure.
Borrower not provided Right Not To Close Disclosure.
Remove/Clear Exceptions
              
2
B
B
B
B
B
B
B
B
B
B
  
OH
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
703
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Updated as per the source of the document correctly
      
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
704
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
705
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
706
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
707
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
708
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
709
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
710
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
711
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
712
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
712
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-05-27): Approval provided. Exception is clear.
 
 
Seller Comment (2025-05-23): attached
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
713
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
714
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
715
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
716
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
717
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
718
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
719
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
720
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
721
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
721
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted]Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
721
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted]HPML Threshold Test Non-Compliant
[redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
722
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
723
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
724
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
724
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML 2014 Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-05-27): Appraisal delivery provided. Exception is clear.
 
 
Seller Comment (2025-05-23): Appraisal delivery
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OR
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
724
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation.
        
Reviewer Comment (2025-05-27): Appraisal delivery provided. Exception is clear.
 
 
Seller Comment (2025-05-23): Appraisal Delivery uploaded
 
05/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OR
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
725
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
726
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
727
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
727
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted]Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
728
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
728
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.
              
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
729
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
730
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
MS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
731
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
732
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML 2014 Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Mortgage Loan.
APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan.
      
Reviewer Comment (2025-05-22): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-05-22): Appraisal delivery uploaded
 
05/22/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
732
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation.
Appraisal report dated [redacted] is missing evidence of receipt.
      
Reviewer Comment (2025-05-22): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-05-22): Appraisal delivery uploaded
 
05/22/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
732
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
733
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
734
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
735
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope as second lien.
      
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
736
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
737
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
738
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
738
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted]Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
739
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
740
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
741
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
742
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
743
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
    
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
MS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
744
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
745
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
746
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
747
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
748
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
749
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
750
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-22): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/22/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
751
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-21): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/21/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
752
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Automated Underwriting Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-02): Sufficient Cure Provided At Closing
 
  
05/02/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
755
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
756
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
757
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
758
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
759
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
760
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
761
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
762
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
763
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
764
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
765
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
766
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
767
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-27): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/27/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
768
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
768
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted]Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
768
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Non-Compliant
[redacted]  Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of [redacted].  Non-Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
768
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided)
[redacted] Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
769
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
770
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
771
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
MT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
772
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
IA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
773
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
774
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
775
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
775
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML 2014 Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted]is equal to or greater than the threshold of[redacted].  Non-Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-05-30): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-05-30): Appraisal delivery uploaded
 
05/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
775
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three[redacted]business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant [redacted][redacted] business days prior to consummation.
      
Reviewer Comment (2025-05-30): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-05-30): Appraisal delivery uploaded
 
 
Reviewer Comment (2025-05-29): Right to receive appraisal and waivers received however these do not confirm the date that the appraisal was delivered to the borrower. Additional information is required. Exception remains open.
 
 
Seller Comment (2025-05-29): Appraisal delivery
 
05/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
776
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
777
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
778
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-29): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/29/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
779
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
780
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
781
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
782
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-29): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/29/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
783
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-29): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/29/2025
3
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
784
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
785
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-29): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/29/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
785
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan Safe Harbor Test
TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied.
                
2
B
B
B
B
B
B
B
B
B
B
  
NC
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
786
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-29): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/29/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
787
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-28): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
05/28/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
788
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-29): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/29/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Purchase
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
788
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan Safe Harbor Test
TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied.
                
2
B
B
B
B
B
B
B
B
B
B
  
SC
Primary
Purchase
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
789
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-05-29): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
05/29/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
790
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
790
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted] (a)([redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
790
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Previous loan refinanced within twelve (12) month period of consummation)
[redacted] Constitution Section : Previous loan refinanced within [redacted] ([redacted]) month period of consummation
        
Reviewer Comment (2025-06-18): Previous loan data has been updated. Exception is clear.
 
 
Seller Comment (2025-06-17): INVALID- xxxx was deeded to the xxxx in 2024, per search package and title this mortgage is a 1st, Rule applies to Refinance
 
06/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
790
XXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
            
06/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
791
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/09/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
791
XXX
    
Credit
Insurance
Insurance Analysis
Insurance
Insurance address does not match Note address.
          
Reviewer Comment (2025-06-17): Hazard insurance policy provided.
 
 
Seller Comment (2025-06-17): Updated HOI Dec page uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
792
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/09/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
792
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
          
Reviewer Comment (2025-06-17): Lender attests that the guidelines as written only require verification within the previous two calendar years.
 
 
Reviewer Comment (2025-06-12): Two year gap was not documented with a gap letter.
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
792
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML 2014 Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted.  Non-Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-06-17): Lender attests that the guidelines as written only require verification within the previous two calendar years.
 
 
Reviewer Comment (2025-06-12): Two year gap was not documented with a gap letter.
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
792
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan Safe Harbor Test
TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied.
        
Reviewer Comment (2025-06-17): Lender attests that the guidelines as written only require verification within the previous two calendar years.
 
 
Reviewer Comment (2025-06-12): Two year gap was not documented with a gap letter.
 
06/17/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
792
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property.
        
Reviewer Comment (2025-06-17): Lender attests that the guidelines as written only require verification within the previous two calendar years.
 
 
Reviewer Comment (2025-06-12): Two year gap was not documented with a gap letter.
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
792
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
        
Reviewer Comment (2025-06-17): Lender attests that the guidelines as written only require verification within the previous two calendar years.
 
 
Reviewer Comment (2025-06-12): Two year gap was not documented with a gap letter.
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
792
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
        
Reviewer Comment (2025-06-17): Lender attests that the guidelines as written only require verification within the previous two calendar years.
 
 
Reviewer Comment (2025-06-12): Two year gap was not documented with a gap letter.
 
06/17/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
OH
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
793
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
793
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-06-18): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-18): Attached
 
 
Reviewer Comment (2025-06-17): Approval document for the subject property is missing.
 
 
Reviewer Comment (2025-06-17): The Approval worksheet with all of the loan terms and calculations was not located.  Only the Income Worksheet was provided.
 
 
Seller Comment (2025-06-17): Attached
 
 
Seller Comment (2025-06-17): UWWS Attached
 
06/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
793
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
        
Reviewer Comment (2025-06-18): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-18): Approval provided
 
06/18/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
TX
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
793
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Loan Approval
General QM: Missing loan approval; General QM testing is incomplete.
        
Reviewer Comment (2025-06-18): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-18): Approval provided
 
 
Reviewer Comment (2025-06-17): Approval document for the subject property is missing.
 
 
Reviewer Comment (2025-06-17): The Approval worksheet with all of the loan terms and calculations was not located.  Only the Income Worksheet was provided.
 
 
Seller Comment (2025-06-17): Loan Approval uploaded for review
 
06/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
793
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted] (a)([redacted] ): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
793
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section [redacted](a)([redacted]): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the [redacted] T-[redacted]endorsement or the T-[redacted] endorsement. (The loan is a [redacted] Section [redacted] (a)([redacted]) home equity loan.)
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
794
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
794
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
          
Reviewer Comment (2025-06-18): Award letter provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Attached
 
06/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
794
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
        
Reviewer Comment (2025-06-18): Award letter provided. Exception is clear.
 
 
Seller Comment (2025-06-17): VA document uploaded for review
 
06/18/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
FL
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
794
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
        
Reviewer Comment (2025-06-18): Award letter provided. Exception is clear.
 
 
Seller Comment (2025-06-17): VA document uploaded for review
 
06/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
794
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
        
Reviewer Comment (2025-06-18): Award letter provided. Exception is clear.
 
 
Seller Comment (2025-06-17): VA document uploaded for review
 
06/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
795
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
795
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted](a)([redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
795
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Lien was not voluntarily originated with the consent of all owners)
[redacted] Constitution Section [redacted](a)[redacted]:  [redacted] Cash-out Loan.   Loan not originated voluntarily by consumer.  Note not signed.
        
Reviewer Comment (2025-06-18): Note has been signed by all required parties. Exception is clear.
 
 
Seller Comment (2025-06-17): INVALID- XXX is Tittle Only and is not required to sign the Note, DOT is executed by ALL
 
06/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
With respect to the non-consent by owner, obtain their consent.  However, with respect to the unsigned note, this could be an issue with the loan generally outside of 50(a)(6).
(Note: Failure to obtain the consent will result in not having a lien against the property)
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
796
XXX
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
Mismatch of data related to Occupancy.
          
Reviewer Comment (2025-06-18): Correct 1003 provided showing accurate information.
 
 
Seller Comment (2025-06-18): updated 1003 Attached
 
06/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Second Home
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
796
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Second Home
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
797
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
797
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR).
        
Reviewer Comment (2025-06-17): Designation has been restated.
 
 
Seller Comment (2025-06-17): please change loan designation
 
06/17/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
797
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Restated Loan Designation Match - QM / ATR
Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR).
Designation has been restated.
              
2
  
A
  
B
  
B
  
B
  
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
798
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
798
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML 2014 Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted].  Non-Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-06-17): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Appraisal delivery uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AZ
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
798
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]  business days prior to consummation.
        
Reviewer Comment (2025-06-17): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Appraisal delivery uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AZ
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
799
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
799
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by [redacted] compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]).
        
Reviewer Comment (2025-06-17): Fees have been updated. Exception is clear.
 
 
Seller Comment (2025-06-17): INVALID LOX uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
799
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of [redacted]is under disclosed by [redacted]compared to the calculated Finance Charge of [redacted]which exceeds the [redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]).
        
Reviewer Comment (2025-06-17): Fees have been updated. Exception is clear.
 
 
Seller Comment (2025-06-17): INVALID LOX uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
800
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
800
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date
Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted].
        
Reviewer Comment (2025-06-17): Transaction date has been updated. Exception is clear.
 
 
Seller Comment (2025-06-17): INVALID- Loan closed 4/04/2025
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
800
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date
Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
        
Reviewer Comment (2025-06-17): Transaction date has been updated. Exception is clear.
 
 
Seller Comment (2025-06-17): INVALID- Loan closed 4/04/2025
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
801
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
801
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-06-23): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-23): Approval uploaded
 
 
Reviewer Comment (2025-06-20): The approval provided matches property address however it does not have the correct loan amount and is missing DTI information. Please submit approval with correct loan information.
 
 
Seller Comment (2025-06-19): Approval is for subject property please elaborate
 
 
Reviewer Comment (2025-06-17): Approval document provided is not for the subject property.
 
 
Seller Comment (2025-06-17): Approval uploaded
 
06/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
801
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
        
Reviewer Comment (2025-06-23): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-23): Approval uploaded
 
 
Reviewer Comment (2025-06-20): The approval provided matches property address however it does not have the correct loan amount and is missing DTI information. Please submit approval with correct loan information.
 
 
Seller Comment (2025-06-19): Approval is for subject property please elaborate
 
 
Reviewer Comment (2025-06-17): Approval document provided is not for the subject property.
 
 
Seller Comment (2025-06-17): Approval uploaded
 
06/23/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
FL
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
801
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Loan Approval
General QM: Missing loan approval; General QM testing is incomplete.
        
Reviewer Comment (2025-06-23): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-23): Approval uploaded
 
 
Reviewer Comment (2025-06-20): The approval provided matches property address however it does not have the correct loan amount and is missing DTI information. Please submit approval with correct loan information.
 
 
Seller Comment (2025-06-19): Approval is for subject property please elaborate
 
 
Reviewer Comment (2025-06-17): Duplicate exception, Approval document provided is not for the subject property.
 
 
Seller Comment (2025-06-17): Approval uploaded
 
06/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
802
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
802
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML 2014 Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted].  Non-Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-06-17): Appraisal delivery document provided.
 
 
Seller Comment (2025-06-17): Appraisal delivery uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
802
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation.
        
Reviewer Comment (2025-06-17): Appraisal delivery document provided.
 
 
Seller Comment (2025-06-17): Appraisal delivery uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
803
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML 2014 Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted].  Non-Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-06-17): Appraisal delivery document provided.
 
 
Seller Comment (2025-06-17): Appraisal delivery uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OK
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
803
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation.
        
Reviewer Comment (2025-06-17): Appraisal delivery document provided.
 
 
Seller Comment (2025-06-17): Appraisal delivery uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OK
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
803
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold)
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]+ [redacted], or [redacted].  Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
OK
Primary
Refinance - Cash-out - Other
No obvious cure
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
803
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
OK
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
804
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
        
Reviewer Comment (2025-06-23): Lender states this meets their guidelines due to rounding.
 
06/23/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
IL
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
804
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines
General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% moderately exceeds the guideline maximum of [redacted]. (DTI Exception is eligible to be regraded with compensating factors.)
        
Reviewer Comment (2025-06-23): Lender states this meets their guidelines due to rounding.
 
06/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
804
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
804
XXX
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: Investor qualifying total debt ratio discrepancy.
          
Reviewer Comment (2025-06-23): Lender states this meets their guidelines due to rounding.
 
06/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
804
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
        
Reviewer Comment (2025-06-23): Lender states this meets their guidelines due to rounding.
 
06/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IL
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
805
XXX
    
Credit
Credit
Credit Documentation
Missing Document
Missing Document: Credit Report not provided
          
Reviewer Comment (2025-06-17): Report provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Credit Report  B1 uploaded
 
06/17/2025
    
1
D
A
D
A
D
A
D
A
D
A
  
CA
Primary
Refinance - Cash-out - Other
  
D
A
D
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
805
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
D
A
D
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
805
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML 2014 Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted].  Non-Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-06-17): Report provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Credit Report  B1 uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
D
A
D
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
805
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan Safe Harbor Test
TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied.
        
Reviewer Comment (2025-06-17): Report provided. Exception is clear.
 
06/17/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
  
D
A
D
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
805
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property.
        
Reviewer Comment (2025-06-17): Report provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Credit Report  B1 uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
D
A
D
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
805
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM Required Credit Report Not Provided to Evidence Debts
Qualified Mortgage (Dodd-Frank [redacted]): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities.
        
Reviewer Comment (2025-06-17): Report provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Credit Report  B1 uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
D
A
D
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
805
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
        
Reviewer Comment (2025-06-17): Report provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Credit Report  B1 uploaded
 
06/17/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
D
A
D
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
805
XXX
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
AUS/Guideline Findings: All conditions were not met
          
Reviewer Comment (2025-06-17): Report provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Credit Report  B1 uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
D
A
D
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
805
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Guideline Deficiency - ATR Impact
Ability to Repay (Dodd-Frank [redacted]):  There are guideline deficiencies which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
        
Reviewer Comment (2025-06-17): Report provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Credit Report  B1 uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
D
A
D
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
805
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General Ability To Repay Provision Investor Guidelines
Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk.
        
Reviewer Comment (2025-06-17): Report provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Credit Report  B! uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
D
A
D
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
806
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-06-25): Completed Approval Document provided which reflects every necessary information.
 
 
Seller Comment (2025-06-24): Completed worksheet
 
 
Reviewer Comment (2025-06-17): Approval provided does not have the correct loan amount and is missing DTI. Please provide approval with correct loan data.
 
 
Seller Comment (2025-06-17): Approval uploaded
 
06/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
GA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
806
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
806
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
        
Reviewer Comment (2025-06-17): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Approval uploaded
 
06/17/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
GA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
806
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Loan Approval
General QM: Missing loan approval; General QM testing is incomplete.
        
Reviewer Comment (2025-06-17): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-17): Approval uploaded
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
GA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
807
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
807
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (CLTV Exceeds 80% Threshold)
[redacted] Constitution Section [redacted](a)([redacted]): CLTV of [redacted] exceeds [redacted] of [redacted](the value reflected on the valuation).
        
Reviewer Comment (2025-06-20): Letter to borrower and proof of delivery provided.
 
 
Seller Comment (2025-06-18): Attached
 
 
Reviewer Comment (2025-06-17): Rounding does not apply to TX loans. LOX to borrower and proof of delivery is required to cure.
 
 
Seller Comment (2025-06-17): INVALID- Industry standard is 2 decimal places; AMC is counting the 5th decimal place. HCLTV is 80.00% and acceptable
 
06/20/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
TX
Primary
Refinance - Cash-out - Other
Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%.
C
B
A
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
807
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted]Constitution Section [redacted](a)([redacted]): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the [redacted] T-[redacted]endorsement or the T-[redacted]endorsement. (The loan is a [redacted]Section [redacted](a)([redacted]) home equity loan.)
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
808
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
                
06/11/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
808
XXX
    
Compliance
Compliance
State Compliance
State Defect
Illinois SB 1894
[redacted] Predatory Lending Database Program (SB [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording.
        
Reviewer Comment (2025-06-17): IL Predatory lending database program document provided.
 
 
Seller Comment (2025-06-17): IL  Predatory Lending Database Program (SB 1894) - Certificate of Compliance
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IL
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
809
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-04): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/04/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
810
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
810
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] cmpared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]).
Final Closing Disclosure provided on [redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by[redacted]compared to the calculated Amount Financed of[redacted].
      
Reviewer Comment (2025-06-16): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.
 
 
Seller Comment (2025-06-13): Cure documents attached
 
 
Reviewer Comment (2025-06-09): SitusAMC as a due diligence firm, when there is ambiguity, SitusAMC does not perform compliance testing assuming that a fee is not a finance charge unless there is documentary evidence supporting that the fee/service is not required by the lender or otherwise meets conditions for exclusion under 1026.4.  For the subject transaction in question, the $350 Settlement or Closing Fee in Section C is a finance charge since it is required by the creditor as evidenced by the following: 1) A closing agent is required by the creditor to conduct the closing and there is no other settlement/closing fee charged on the loan, which there no other attorney or settement/closing fees. 2) The Settlement or Closing fee is listed in Section C of the CD which further supports that lender required the service as sections A-C are for lender required loan costs as provided in TRID regulations: 37(f) Closing cost details; loan costs. 1. General description. The items disclosed under § 1026.37(f) include services that the creditor or mortgage broker require for consummation, such as underwriting, appraisal, and title services. To exclude fee from finance charges under 1026.4(a)(2), lender must not require service, imposition of the charge, or retain any portion of the charge. Further Commentary provides "a charge for conducting or attending a closing is a finance charge and may be excluded only if the charge is included in and is incidental to a lump-sum fee excluded under §1026.4(c)(7). Would require attestation from settlement agent that charge is not for conducting closing and that concurrent loan escrow/closing is not required by the lender and is not a condition for the extension of credit. A charge for conducting or attending a closing is a finance charge and may be excluded only if the charge is included in and is incidental to a lump-sum fee excluded under §1026.4(c)(7).
 
 
Seller Comment (2025-06-06): see attached
 
06/16/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
AZ
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
810
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of[redacted] is under disclosed by[redacted] compared to the calculated Finance Charge of [redacted]  which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]).
Final Closing Disclosure provided on [redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by[redacted]compared to the calculated Amount Financed of[redacted].
      
Reviewer Comment (2025-06-16): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.
 
 
Seller Comment (2025-06-13): Cure documents uploaded
 
 
Reviewer Comment (2025-06-09): SitusAMC as a due diligence firm, when there is ambiguity, SitusAMC does not perform compliance testing assuming that a fee is not a finance charge unless there is documentary evidence supporting that the fee/service is not required by the lender or otherwise meets conditions for exclusion under 1026.4.  For the subject transaction in question, the $350 Settlement or Closing Fee in Section C is a finance charge since it is required by the creditor as evidenced by the following: 1) A closing agent is required by the creditor to conduct the closing and there is no other settlement/closing fee charged on the loan, which there no other attorney or settement/closing fees. 2) The Settlement or Closing fee is listed in Section C of the CD which further supports that lender required the service as sections A-C are for lender required loan costs as provided in TRID regulations: 37(f) Closing cost details; loan costs. 1. General description. The items disclosed under § 1026.37(f) include services that the creditor or mortgage broker require for consummation, such as underwriting, appraisal, and title services. To exclude fee from finance charges under 1026.4(a)(2), lender must not require service, imposition of the charge, or retain any portion of the charge. Further Commentary provides "a charge for conducting or attending a closing is a finance charge and may be excluded only if the charge is included in and is incidental to a lump-sum fee excluded under §1026.4(c)(7). Would require attestation from settlement agent that charge is not for conducting closing and that concurrent loan escrow/closing is not required by the lender and is not a condition for the extension of credit. A charge for conducting or attending a closing is a finance charge and may be excluded only if the charge is included in and is incidental to a lump-sum fee excluded under §1026.4(c)(7).
 
 
Seller Comment (2025-06-06): See Attached
 
06/16/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
AZ
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
811
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-04): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/04/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
812
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-06-05): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-05): Approval uploaded
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
812
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-04): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/04/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
812
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML [redacted] Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of [redacted]  Non-Compliant Higher Priced Mortgage Loan.
Appraisal report delivery receipt is missing.
      
Reviewer Comment (2025-06-05): Proof of receipt provided. Exception is clear.
 
 
Seller Comment (2025-06-05): Appraisal delivery
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
812
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation.
Appraisal report delivery receipt is missing.
      
Reviewer Comment (2025-06-05): Proof of receipt provided. Exception is clear.
 
 
Seller Comment (2025-06-05): Appraisal delivery
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
813
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-04): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/04/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
814
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-04): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/04/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
815
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-04): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/04/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
816
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-06-05): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-05): Approval uploaded
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
816
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-04): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/04/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
816
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML [redacted] Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of [redacted].  Non-Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-06-05): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-06-05): Appraisal delivery
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
816
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation.
        
Reviewer Comment (2025-06-05): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-06-05): Appraisal delivery
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
817
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
RI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
818
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-04): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/04/2025
3
A
A
A
A
A
A
A
A
A
A
  
ME
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
819
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-04): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/04/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
820
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
820
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-06-06): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-06): Approval attached
 
06/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
821
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
822
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
823
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
824
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
825
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
826
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of [redacted]Compliant Higher Priced Mortgage Loan.
The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Due to AVM was used as Valuation Type.
              
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
826
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
827
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
828
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
829
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
830
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-05): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/05/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
831
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
832
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
833
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
834
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
835
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
836
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
836
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
  
Approval was not provided in the file.
      
Reviewer Comment (2025-06-09): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-09): Approval uploaded
 
06/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
837
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
837
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-06-09): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-09): Approval uplaoded
 
06/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
838
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-09): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/09/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
838
XXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
 _____
        
Reviewer Comment (2025-06-10): Taxes have been provided. Exception is clear.
 
 
Seller Comment (2025-06-10): INVALID- Settlement Statement was provided on pages 179-180 this is how taxes were verified for the LAND
 
06/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MI
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
839
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-09): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/09/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
840
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
840
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-06-09): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-09): Approval uploaded
 
06/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
841
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
841
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
  
he disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate
      
Reviewer Comment (2025-06-18): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.
 
 
Seller Comment (2025-06-17): Cure Documents attached
 
 
Reviewer Comment (2025-06-10): A Closing Protection Letter is a type of insurance/protection for the lender that is not a component of, or related to, title examination, abstract of title, title insurance, property survey and similar purposes, nor document preparation.  The CPL would not be considered a 4(c)(7) type of fee that would be excluded from finance charges. Closing/Settlement Fee is also not a component of 4(c)(7) documentation that would be excluded from finance charge calculations.  Cure is required. Corrected CD, LOE to borrower, copy of cure refund for $50, proof of mailing and proof of reopening of rescission to all consumers.
 
 
Seller Comment (2025-06-09): Please review for reconsidera
 
06/18/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
VA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
841
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted][redacted] disclosed an inaccurate Finance Charge on page  [redacted] that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of  [redacted] is under disclosed by  [redacted] compared to the calculated Finance Charge of  [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated  [redacted]).
The disclosed Finance Charge in the amount of $ [redacted] is under disclosed by $ [redacted] compared to the calculated Finance Charge of $ [redacted]  which exceeds the $ [redacted] threshold
      
Reviewer Comment (2025-06-18): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.
 
 
Seller Comment (2025-06-18): Cure docs provided
 
 
Reviewer Comment (2025-06-10): A Closing Protection Letter is a type of insurance/protection for the lender that is not a component of, or related to, title examination, abstract of title, title insurance, property survey and similar purposes, nor document preparation.  The CPL would not be considered a 4(c)(7) type of fee that would be excluded from finance charges. Closing/Settlement Fee is also not a component of 4(c)(7) documentation that would be excluded from finance charge calculations.  Cure is required. Corrected CD, LOE to borrower, copy of cure refund for $50, proof of mailing and proof of reopening of rescission to all consumers.
 
 
Seller Comment (2025-06-09): Review the attached for reconsideration
 
06/18/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
VA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
842
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-06): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/06/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
843
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope as second lien
      
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
NE
Investment
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
843
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
  
Approval is not provided in file
      
Reviewer Comment (2025-06-12): Exception cleared.  Approval provided.
 
 
Seller Comment (2025-06-11): Approval uploaded
 
06/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NE
Investment
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
843
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided)
[redacted] Mortgage Bankers Registration and Licensing Act:  Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower.
[redacted] Broker Notice is not provided in file
              
2
B
B
B
B
B
B
B
B
B
B
  
NE
Investment
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
844
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-06-10): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-10): Attached
 
06/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
844
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-09): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/09/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
845
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope
      
Reviewer Comment (2025-06-09): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/09/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Investment
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
846
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
846
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
  
Approval is missing.
      
Reviewer Comment (2025-06-12): Approval document provided.
 
 
Seller Comment (2025-06-11): Loan approval
 
06/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
GA
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
847
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-09): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/09/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
847
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)
[redacted] Constitution Section  [redacted] : Acceptable [redacted] title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the [redacted] T-[redacted] endorsement or the T-[redacted].[redacted] endorsement. (The loan is a [redacted] Section  [redacted] home equity loan.)
                
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
848
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML [redacted] Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of  [redacted] or Final Disclosure APR of  [redacted] is equal to or greater than the threshold of APOR [redacted] +  [redacted] or  [redacted]  Non-Compliant Higher Priced Mortgage Loan.
        
Reviewer Comment (2025-06-10): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-06-10): Appraisal delivery uploaded
 
06/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
VA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
848
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule  [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation.
No evidence  in file of when the borrower received a copy of the appraisal.
      
Reviewer Comment (2025-06-10): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-06-10): Appraisal delivery uploaded
 
06/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
VA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
848
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Updated as per the source of the document correctly
      
Reviewer Comment (2025-06-09): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/09/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
849
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-09): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/09/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
849
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-06-10): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-10): Approval uploaded
 
06/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
850
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-09): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/09/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
851
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-09): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/09/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
852
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
853
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
854
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
855
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
NE
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
855
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided)
[redacted]Mortgage Bankers Registration and Licensing Act:  Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower.
Broker Notice is missing file.
              
2
B
B
B
B
B
B
B
B
B
B
  
NE
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
856
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
857
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted] Tangible Net Benefit Disclosure
[redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
859
XXX
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - List of Homeownership Counseling Organizations Missing
RESPA Disclosure Rule ( [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
859
XXX
    
Compliance
Loan Package Documentation
Application / Processing
Missing, Incorrect, or Incomplete Final or Initial 1003
Missing Document: Missing Lender's Initial 1003
                  
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
860
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Post Close Closing Disclosure Timing Regular Transactions
TILA-RESPA Integrated Disclosure -  [redacted]-Day Waiting Period Timing Violation.  Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional  [redacted]-day waiting period had it been correctly disclosed on the Final Closing Disclosure.
        
Reviewer Comment (2025-04-29): Cure provided prior to discovery.
 
 
Buyer Comment (2025-04-28): Please disregard LOX upload. Still pending docs from seller
 
 
Buyer Comment (2025-04-28): LOX
 
 
Reviewer Comment (2025-04-23): SitusAMC reviews to SFA requirements.  The 4/16 CD is a PCCD, and a cure is required.  Please provide LOE, re-opened RTC, and proof of delivery to complete cure.
 
 
Buyer Comment (2025-04-22): Settlement Statement
 
 
Buyer Comment (2025-04-22): Explanation
 
04/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
860
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $ [redacted]exceeds tolerance of $ [redacted].  Insufficient or no cure was provided to the borrower.
Broker fee increased on post-close CD with no cure provided for overage.
      
Reviewer Comment (2025-04-23): SitusAMC received Post CD, LOX and Final SS.
 
 
Buyer Comment (2025-04-22): PCCD
 
04/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
860
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Total Of Payments
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]).  The disclosed Total of Payments in the amount of [redacted] is under disclosed by [redacted]compared to the calculated total of payments of [redacted] which exceeds the [redacted] threshold.
Corrected on post-closing CD, in order to cure please provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, and Re-open Rescission
      
Reviewer Comment (2025-04-29): Cure provided prior to discovery.
 
 
Reviewer Comment (2025-04-23): SitusAMC reviews to SFA requirements.  The 4/16 CD is a PCCD, and a cure is required.  Please provide LOE, re-opened RTC, and proof of delivery to complete cure.
 
 
Buyer Comment (2025-04-22): CD
 
04/29/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
860
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]).
[redacted] reviews to SFA requirements. The [redacted] CD is a PCCD, and a cure is required. Please provide LOE, re-opened RTC, and proof of delivery to complete cure.
      
Reviewer Comment (2025-04-29): Cure provided prior to discovery.
 
  
04/29/2025
  
2
  
B
  
B
  
B
  
B
  
B
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
860
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted]disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of[redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]).
[redacted] reviews to SFA requirements. The [redacted] CD is a PCCD, and a cure is required. Please provide LOE, re-opened RTC, and proof of delivery to complete cure.
      
Reviewer Comment (2025-04-29): Cure provided prior to discovery.
 
  
04/29/2025
  
2
  
B
  
B
  
B
  
B
  
B
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
860
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure
TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of [redacted] exceeds tolerance of[redacted].  Sufficient or excess cure was provided to the borrower.
        
Reviewer Comment (2025-04-23): Sufficient Cure Provided within 60 Days of Closing
 
  
04/23/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
CA
Primary
Refinance - Cash-out - Other
Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
863
XXX
    
Credit
Disclosure
Missing Document
Disclosure
E-sign Consent Agreement is missing.
          
Reviewer Comment (2025-04-30): Provided and cleared.
 
 
Buyer Comment (2025-04-30): EConsent
 
04/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
866
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
866
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan [redacted] Test
TILA HPML appraisal Rule (Dodd-Frank [redacted]): [redacted] requirements not satisfied.
                
2
B
B
B
B
B
B
B
B
B
B
  
VA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
867
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
867
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted] Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
867
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Non-Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Loan.
APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan.
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
868
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
869
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
870
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
871
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-10): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/10/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
872
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope as second lien
      
Reviewer Comment (2025-06-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
872
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
The [redacted] Business and Personal Tax return extension documents are in the file.
              
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
872
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date[redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
The [redacted] Business and Personal Tax return extension documents are in the file.
              
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
873
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
NV
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
873
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date
Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]
        
Reviewer Comment (2025-06-17): Disbursement date has been updated. Exception is clear.
 
 
Seller Comment (2025-06-17): Per the Final SS on pages 226-229 loan will disburse on 5/30/2025
 
 
Reviewer Comment (2025-06-16): The RTC in file was redisclosed with an expiration date of 5/29/2025. Eligible disbursement is 5/30/2025 based on this date.
 
 
Seller Comment (2025-06-16): NVALID Loan disbursed 5.29 after recession period 5.28.
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NV
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
874
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-13): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
875
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
Updated as per the source of the document correctly
      
Reviewer Comment (2025-06-13): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
876
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-13): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
877
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
878
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
879
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
880
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-13): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/13/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
881
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
  
Approval document is missing.
      
Reviewer Comment (2025-06-17): Approval document provided.
 
 
Seller Comment (2025-06-17): Approval attached
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
881
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
882
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
883
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
884
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
885
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-08): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/08/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
886
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
887
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
888
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
889
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
890
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
891
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
892
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
893
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
894
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
895
XXX
    
Credit
Loan Package Documentation
Closing / Title
Loan Package Documentation
Loan is not using the new [redacted] Legal Documents.
  
Loan is not using Version [redacted]
      
Reviewer Comment (2025-06-17): This is not required.
 
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
895
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
895
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
  
Approval is missing.
      
Reviewer Comment (2025-06-18): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-18): Approval Attached
 
06/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NC
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
896
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
897
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
898
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
899
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
900
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-16): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/16/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
901
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
902
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
903
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
904
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
ME
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
905
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
906
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
907
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
908
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-18): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/18/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
909
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
MI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
910
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
911
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
912
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
913
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
914
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
AL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
915
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-06-18): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/18/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Purchase
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
916
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-06-18): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/18/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
917
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
OK
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
918
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
918
XXX
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.
          
Reviewer Comment (2025-06-20): Valuation provided was completed after the disaster declaration date and reflects no damage.
 
 
Seller Comment (2025-06-20): PDI-No Damages
 
06/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MO
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
919
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-17): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/17/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
921
XXX
    
Credit
Collateral
Missing/Incorrect
Collateral
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
          
Buyer Comment (2025-05-01): Waived on Rate Lock: Collateral cleared by Custodian
 
    
05/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
922
XXX
    
Credit
Collateral
Missing/Incorrect
Collateral
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
          
Buyer Comment (2025-05-20): Waived on Rate Lock: Collateral cleared by Custodian
 
 
Reviewer Comment (2025-05-16): Tracking provided.
 
 
Seller Comment (2025-05-16): sent 5/14 FED EX#: XXX
 
05/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
923
XXX
    
Credit
Disclosure
Missing Document
Disclosure
E-sign Consent Agreement is missing.
  
Blend compliance report in file shows borrower e-consent pending.
      
Reviewer Comment (2025-05-05): Provided and cleared.
 
 
Buyer Comment (2025-05-05): EConsent
 
05/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IN
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
923
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-05-08): Cure docs provided.
 
 
Buyer Comment (2025-05-08): PCCD in file
 
 
Buyer Comment (2025-05-08): PCCD/Check/LOE/Shipping Label
 
05/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
923
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Property Costs Year [redacted] Underdisclosed - [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of  on Final Closing Disclosure provided on [redacted] are underdisclosed
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-05-08): Cure docs provided.
 
  
05/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
923
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose Estimated Property Costs over Year [redacted] for loan with no escrow account established.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-05-08): Cure docs provided.
 
 
Buyer Comment (2025-05-08): PCCD in file
 
  
05/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
923
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account.
Reason for no escrows not selected on pg. [redacted] of final CD.
      
Reviewer Comment (2025-05-08): Cure docs provided.
 
 
Buyer Comment (2025-05-08): PCCD in file
 
  
05/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
923
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Appraisal Fee was disclosed on initial Loan estimate as $[redacted]but disclosed but final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file.
      
Reviewer Comment (2025-05-09): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.
 
 
Buyer Comment (2025-05-08): PCCD in file
 
05/09/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
924
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount.  Undiscounted rate of [redacted]% provided on compliance report but undiscounted price is not.
      
Reviewer Comment (2025-05-07): Rate sheet provided with points to obtain UDR.
 
 
Buyer Comment (2025-05-07): Rate sheet uploaded
 
 
Reviewer Comment (2025-05-06): We see you excluded 1%, in order for us to perform testing we need undiscounted rate price to obtain the undiscounted interest rate of 8.25%.  This is not listed on the compliance report or screenshot provided.  Please provide the undiscounted rate price, can be provided via comment.
 
 
Buyer Comment (2025-05-06): Compliance Ease and LOE uploaded
 
05/07/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
924
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM Points and Fees [redacted]
Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%).
Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount.  Undiscounted rate of [redacted]% provided on compliance report but undiscounted price is not.
      
Reviewer Comment (2025-05-07): Rate sheet provided with points to obtain UDR.
 
05/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
925
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-05-08): Cure docs provided.
 
 
Buyer Comment (2025-05-08): PCCD in file
 
 
Buyer Comment (2025-05-08): LOX / PCCD
 
05/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
NJ
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
925
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Property Costs Year [redacted] Underdisclosed - [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of  on Final Closing Disclosure provided on [redacted] are underdisclosed
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-05-08): Cure docs provided.
 
  
05/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
NJ
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
925
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose Estimated Property Costs over Year [redacted] for loan with no escrow account established.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted] or [redacted] of final CD.
      
Reviewer Comment (2025-05-08): Cure docs provided.
 
 
Buyer Comment (2025-05-08): PCCD in file
 
  
05/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
NJ
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
925
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account.
Reason for no escrows not selected on pg. [redacted] of final CD.
      
Reviewer Comment (2025-05-08): Cure docs provided.
 
 
Buyer Comment (2025-05-08): PCCD in file
 
  
05/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
NJ
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
926
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing
 
  
05/01/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
927
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance
Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-[redacted] form was used, the H-[redacted] form should have been used.
H-[redacted] form used but a previous [redacted] lien wasn't paid off through closing.
      
Reviewer Comment (2025-05-08): Cure docs provided.
 
 
Buyer Comment (2025-05-08): rtc
 
  
05/08/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
OH
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
B
A
A
C
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
929
XXX
    
Credit
Collateral
Missing/Incorrect
Collateral
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
          
Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian
 
 
Seller Comment (2025-05-28): Tracking #: XXX. FedEx is showing it was delivered on 5/20.
 
05/29/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
930
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date
Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
Most recent RTC in file signed [redacted] with expiration date same day [redacted]
      
Reviewer Comment (2025-05-09): Cure docs provided.
 
 
Buyer Comment (2025-05-08): Shipping Label
 
 
Buyer Comment (2025-05-08): LOX
 
 
Buyer Comment (2025-05-08): NRTC
 
05/09/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
AZ
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
931
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Total Of Payments
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]).  The disclosed Total of Payments in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated total of payments of $[redacted]which exceeds the $[redacted]threshold.
Corrected on post-close CD, in order to cure please provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, and Re-open Rescission
      
Reviewer Comment (2025-05-29): Cure docs provided.
 
 
Buyer Comment (2025-05-29): RTC package uploaded
 
 
Reviewer Comment (2025-05-22): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.
 
 
Buyer Comment (2025-05-22): PCCD check package uploaded
 
 
Reviewer Comment (2025-05-08): PCCD already in file, in order to cure please provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, and Re-open Rescission
 
 
Buyer Comment (2025-05-08): PCCD
 
05/29/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
935
XXX
    
Credit
Credit
Credit Documentation
Credit
No evidence of fraud report in file
          
Reviewer Comment (2025-05-08): DRIVE provided and cleared.
 
 
Buyer Comment (2025-05-08): Fraud Report
 
05/08/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
GA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
936
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
  
Missing VA Verification of Benefits to support $[redacted] monthly income.
      
Reviewer Comment (2025-05-15): Removed from qualifying and cleared.
 
05/15/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
936
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Missing VA Verification of Benefits to support $[redacted] monthly income.
      
Reviewer Comment (2025-05-15): Removed from qualifying and cleared.
 
 
Buyer Comment (2025-05-15): VA 1,500.00 was not used, please see updated URLA and 1008 document.
 
05/15/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
936
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Waterfall finding due to missing VA Verification of Benefits to support $[redacted] monthly income, resulting in a loan designation discrepancy.
      
Reviewer Comment (2025-05-15): Removed from qualifying and cleared.
 
05/15/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
OH
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
936
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Waterfall finding due to missing VA Verification of Benefits to support $[redacted] monthly income.
      
Reviewer Comment (2025-05-15): Removed from qualifying and cleared.
 
05/15/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
936
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis)
[redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.
Missing [redacted] - Tangible Net Benefit Worksheet
              
2
B
B
B
B
B
B
B
B
B
B
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
936
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
Waterfall finding due to missing [redacted] Verification of Benefits to support $[redacted]monthly income, resulting in a loan designation discrepancy.
      
Reviewer Comment (2025-05-15): Removed from qualifying and cleared.
 
05/15/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
938
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Unknown Loan Designation Test
Ability to Repay / [redacted] Mortgage (Dodd-Frank [redacted]): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is Non QM.
Missing compliance report, [redacted] loan designation to use for testing.
      
Reviewer Comment (2025-05-16): Provided and cleared.
 
 
Buyer Comment (2025-05-16): compliance report
 
 
Reviewer Comment (2025-05-15): TWN provided and cleared.  Missing compliance report, UTD loan designation to use for testing.
 
 
Reviewer Comment (2025-05-15): EXCEPTION HISTORY - Exception Detail was updated on 05/15/2025 PRIOR Exception Detail: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is ATR Fail.
 
05/16/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CO
Primary
Refinance - Cash-out - Home Improvement
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
938
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General Ability To Repay Provision Employment - W-[redacted]
Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable [redacted] -party records.
Missing compliance report and only VOE in file is post-close.
      
Reviewer Comment (2025-05-15): TWN provided and cleared.
 
 
Buyer Comment (2025-05-15): please see attachment- VOE and extended pay document
 
05/15/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Home Improvement
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
938
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM
NonQM ATR
Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied.
Missing compliance report and only VOE in file is post-close.
      
Reviewer Comment (2025-05-15): TWN provided and cleared.
 
05/15/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Home Improvement
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
938
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM DTI
Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.
Missing compliance report, [redacted] loan designation to use for testing.
      
Reviewer Comment (2025-05-16): Provided and cleared.
 
 
Reviewer Comment (2025-05-15): TWN provided and cleared.  Missing compliance report, UTD loan designation to use for testing.
 
05/16/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Home Improvement
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
939
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing
 
  
05/09/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
940
XXX
    
Credit
Loan Package Documentation
Closing / Title
Loan Package Documentation
Title search shows negative impact on title.
  
Missing Release of Mortgage for $[redacted] mortgage held by F[redacted] dated [redacted]
      
Reviewer Comment (2025-05-12): Provided and cleared.
 
 
Buyer Comment (2025-05-12): release
 
05/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
943
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
File missing all change in circumstances for fee increases, insufficient cure provided for total overages.
      
Reviewer Comment (2025-05-20): COCs provided and cleared.
 
 
Buyer Comment (2025-05-20): explanations
 
05/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OR
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
943
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
File missing all change in circumstances for fee increases, insufficient cure provided for total overages.
      
Reviewer Comment (2025-05-20): COCs provided and cleared.
 
05/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OR
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
943
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for AVM Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
File missing all change in circumstances for fee increases, insufficient cure provided for total overages.
      
Reviewer Comment (2025-05-20): COCs provided and cleared.
 
05/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OR
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
943
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
File missing all change in circumstances for fee increases, insufficient cure provided for total overages.
      
Reviewer Comment (2025-05-20): COCs provided and cleared.
 
05/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OR
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
943
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing
 
  
05/20/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
OR
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
943
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for AVM Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing
 
  
05/20/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
OR
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
943
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing
 
  
05/20/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
OR
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
A
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
944
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]).
If Title-Tax Certification Fee was a one time fee then the fee can be eliminated from finance charge testing. If it was a life of loan charge then the fee would be considered a finance charge. Please provide LOA indicating if Tax Cert Fee was a one time fee or a Life of Loan service.
      
Reviewer Comment (2025-05-29): Cure docs provided.
 
 
Buyer Comment (2025-05-29): LOX
 
  
05/29/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
PA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
944
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]).
If Title-Tax Certification Fee was a one time fee then the fee can be eliminated from finance charge testing. If it was a life of loan charge then the fee would be considered a finance charge. Please provide LOA indicating if Tax Cert Fee was a one time fee or a Life of Loan service.
      
Reviewer Comment (2025-05-29): Cure docs provided.
 
  
05/29/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
PA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
944
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
Sufficient cure of $[redacted]was provided to the borrower at Closing.
      
Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing
 
  
05/16/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
945
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within [redacted] business days of the Note.
          
Reviewer Comment (2025-05-21): VOE provided and cleared.
 
 
Buyer Comment (2025-05-21): voe
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
945
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis)
[redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.
[redacted] - Tangible Net Benefit Worksheet is missing.
              
2
B
B
B
B
B
B
B
B
B
B
  
OH
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
945
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing
 
  
05/16/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
945
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing
 
  
05/16/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
946
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Discounts points/orig. fee increased on  [redacted] CD without valid change of circumstance.
      
Reviewer Comment (2025-05-21): COC provided and cleared.
 
 
Buyer Comment (2025-05-21): coc
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
946
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]  Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-05-22): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.
 
 
Buyer Comment (2025-05-21): per seller: Hello, please be advised that this was cured on the FInal CD page 3 IAO $33.0
 
05/22/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
946
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for MERS Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted] Percent Fee Tolerance exceeded for MERS Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. MERS Fee is disclosed under section H on Initial LE's and CD.
      
Reviewer Comment (2025-05-30): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.
 
 
Buyer Comment (2025-05-29): pccd
 
 
Reviewer Comment (2025-05-21): COC log received does not address addition of MERS Fee to final CD.
 
05/30/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
947
XXX
    
Credit
Loan Package Documentation
Loan File
Missing Document
Missing Document: Hazard Insurance Policy not provided
          
Reviewer Comment (2025-05-21): Provided and cleared.
 
 
Buyer Comment (2025-05-21): hoi
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AZ
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
947
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing
 
  
05/16/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
950
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]).
Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and is inaccurate with for Amount Financed.
      
Reviewer Comment (2025-05-27): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.
 
 
Buyer Comment (2025-05-23): notice
 
 
Reviewer Comment (2025-05-22): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing.  As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required.  Please provide proof rescission reopened to all consumers.
 
 
Buyer Comment (2025-05-21): docs
 
 
Buyer Comment (2025-05-20): For the below, the seller would just need to refund the $46.05 correct?  $81.05 - $35.00 (tolerance) = $46.05.
 
05/27/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
950
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]).
Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold
      
Reviewer Comment (2025-05-27): Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable provided
 
 
Buyer Comment (2025-05-27): this was provided- can this be cleared?
 
 
Reviewer Comment (2025-05-22): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing.  As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required.  Please provide proof rescission reopened to all consumers.
 
 
Buyer Comment (2025-05-20): For the below, the seller would just need to refund the $46.05 correct?  $81.05 - $35.00 (tolerance) = $46.05.
 
05/27/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
950
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing
 
  
05/19/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
952
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing
 
  
05/20/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
953
XXX
    
Compliance
Compliance
State Compliance
State Defect
[redacted]SB [redacted]
[redacted] Predatory Lending Database Program (SB [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording.
        
Reviewer Comment (2025-05-22): Provided and cleared.
 
 
Buyer Comment (2025-05-22): ilapd
 
05/22/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IL
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
953
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
                
2
B
B
B
B
B
B
B
B
B
B
  
IL
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
955
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
          
Reviewer Comment (2025-05-21): 1008 acceptable
 
05/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Refinance - Cash-out - Other
  
D
A
C
A
A
A
D
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
955
XXX
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized.  Appraisal was provided. [redacted] valuation from subject transaction is missing. . Sec ID: [redacted]
Note Date:  ___; Lien Position: ___
AVM used, Missing exterior property inspection required by guidelines.
      
Reviewer Comment (2025-05-21): Acceptable per Spring EQ guidelines.
 
 
Buyer Comment (2025-05-21): a full appraisal is on file- not sure where we see an avm
 
05/21/2025
    
1
D
A
A
A
D
A
  
A
D
A
  
SC
Primary
Refinance - Cash-out - Other
  
D
A
C
A
A
A
D
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
957
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
                
2
B
B
B
B
B
B
B
B
B
B
  
NJ
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
958
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing
 
  
05/21/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
959
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing.
Evidence of earlier receipt missing from file.  [redacted] CD not signed by borrower and doc tracking not provided.
      
Reviewer Comment (2025-05-23): Signed ICD provided and cleared.
 
 
Buyer Comment (2025-05-23): cd
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Primary
Refinance - Cash-out - Other
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
959
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% tolerance was exceeded by $[redacted]due to Increase of Appraisal Fee.  No valid COC provided, insufficient cure provided.
      
Reviewer Comment (2025-05-23): COC provided and cleared.
 
 
Buyer Comment (2025-05-23): coc
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
959
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted] % tolerance was exceeded by $[redacted]due to Increase of Credit Report Fee. No valid COC provided, insufficient cure provided.
      
Reviewer Comment (2025-05-23): COC provided and cleared.
 
 
Buyer Comment (2025-05-23): Hello, cure was credit on the Final CD, page 2.
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
959
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Unknown Loan Designation Test
Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]  ): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is Non QM.
Missing compliance report, [redacted] loan designation for testing.
      
Reviewer Comment (2025-05-23): Provided and cleared.
 
 
Buyer Comment (2025-05-23): compliance
 
05/23/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
AL
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
959
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing
 
  
05/23/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
AL
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
960
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Unknown Loan Designation Test
Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted] ): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is Non QM.
Missing compliance report, [redacted]  loan designation for testing.
      
Reviewer Comment (2025-05-23): Provided and cleared.
 
 
Buyer Comment (2025-05-23): compliance
 
05/23/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CT
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
960
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted]  Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] .  Insufficient or no cure was provided to the borrower.
[redacted]  Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Insufficient cure provided for total overages.  No change of circumstances found in file.
      
Reviewer Comment (2025-05-23): COC provided and cleared.
 
 
Buyer Comment (2025-05-23): Hello, with the cure credit at closing IAO $104.00 (shown on page 2) and valid COC uploaded we should be good, correct.
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CT
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
960
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted]  Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Insufficient or no cure was provided to the borrower.
[redacted]  Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient cure provided for total overages.  No change of circumstances found in file.
      
Reviewer Comment (2025-05-23): COC provided and cleared.
 
 
Buyer Comment (2025-05-23): coc
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CT
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
960
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted]  Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Insufficient or no cure was provided to the borrower.
[redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient cure provided for total overages.  No change of circumstances found in file.
      
Reviewer Comment (2025-05-23): COC provided and cleared.
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CT
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
960
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted]  Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Insufficient or no cure was provided to the borrower.
[redacted]  Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient cure provided for total overages.  No change of circumstances found in file.
      
Reviewer Comment (2025-05-23): COC provided and cleared.
 
 
Buyer Comment (2025-05-23): Hello, cure was credited on the Final CD, page 2.
 
05/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CT
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
960
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing
 
  
05/23/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
CT
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
960
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]  exceeds tolerance of $[redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing
 
  
05/23/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
CT
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
965
XXX
    
Compliance
Compliance
State Compliance
Compliance
[redacted]  Day [redacted] has been discontinued effective [redacted] .  Most recent available index value used for bona fide discount point testing.
                  
2
B
B
B
B
B
B
B
B
B
B
  
AR
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
966
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]  exceeds tolerance of $[redacted]  plus [redacted] % or $[redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-29): Sufficient Cure Provided At Closing
 
  
05/29/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
968
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-28): Sufficient Cure Provided At Closing
 
  
05/28/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
969
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]  exceeds tolerance of $[redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-28): Sufficient Cure Provided At Closing
 
  
05/28/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
MT
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
971
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-05-29): Sufficient Cure Provided At Closing
 
  
05/29/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
974
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
Updated as per the Closing Disclosure however There is no valid change circumstance in the file.
      
Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing
 
  
05/30/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
974
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
Updated as per the closing disclosure however there is no cure amount provided in the file.
      
Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing
 
  
05/30/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
977
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-18): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/18/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
978
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-18): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/18/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
979
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-18): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/18/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
980
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
981
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-18): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/18/2025
3
A
A
A
A
A
A
A
A
A
A
  
KS
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
982
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-18): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/18/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
983
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
IN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
984
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-18): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/18/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
985
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
985
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
  
Most recent paystubs of Verification of Income is required.
      
Reviewer Comment (2025-06-20): Paystubs provided. Exception is clear.
 
 
Seller Comment (2025-06-20): Paystubs Attached
 
06/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
985
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted] ): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Most recent paystubs of Verification of Income is required.
      
Reviewer Comment (2025-06-20): Paystubs provided. Exception is clear.
 
 
Seller Comment (2025-06-20): paystubs uploaded
 
06/20/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
985
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision [redacted] Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
Most recent paystubs of Verification of Income is required.
      
Reviewer Comment (2025-06-20): Paystubs provided. Exception is clear.
 
 
Seller Comment (2025-06-20): paystubs uploaded
 
06/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
985
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Most recent paystubs of Verification of Income is required.
      
Reviewer Comment (2025-06-20): Paystubs provided. Exception is clear.
 
 
Seller Comment (2025-06-20): paystubs uploaded
 
06/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
985
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Most recent paystubs of Verification of Income is required.
      
Reviewer Comment (2025-06-20): Paystubs provided. Exception is clear.
 
 
Seller Comment (2025-06-20): paystubs uploaded
 
06/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
986
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
987
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-19): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
988
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
989
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
990
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
991
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
992
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-19): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
TN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
993
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
993
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - C-Corp 1120
General QM: Unable to verify current C-Corp status using reasonably reliable third-party records.
        
Reviewer Comment (2025-06-23): Income documentation provided. Exception is clear.
 
 
Seller Comment (2025-06-23): Secretary of State Uploaded
 
06/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
993
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - C-Corp 1120
General QM: Unable to verify C-Corp income using reasonably reliable [redacted] -party records.
Missing  reliable [redacted] -party verification of C-Corp.
      
Reviewer Comment (2025-06-23): Income documentation provided. Exception is clear.
 
 
Seller Comment (2025-06-23): Secretary of State Uploaded
 
06/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
993
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of  [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan Designation QM (APOR) Fail due to missing reliable [redacted]  party verification of C-Corp.
      
Reviewer Comment (2025-06-23): Income documentation provided. Exception is clear.
 
 
Seller Comment (2025-06-23): Secretary of State Uploaded
 
06/23/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
NJ
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
994
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
DC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
995
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
996
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-20): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
996
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML [redacted]  Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %.  Non-Compliant Higher Priced Mortgage Loan.
APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %
      
Reviewer Comment (2025-06-23): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-06-23): Attached
 
06/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
996
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted] ): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted] ) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted] ) business days prior to consummation.
      
Reviewer Comment (2025-06-23): Proof of delivery provided. Exception is clear.
 
 
Seller Comment (2025-06-23): Appraisal receipt uploaded for review
 
06/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
997
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-19): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/19/2025
3
A
A
A
A
A
A
A
A
A
A
  
RI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
998
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
999
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1000
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
ID
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1001
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1002
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1002
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted] ,  Most Recent Tax Return End Date [redacted] , Tax Return Due Date [redacted] .
                
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1003
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1003
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted] Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1003
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted]  HPML Threshold Test Non-Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %.  Non-Compliant Higher Priced Loan.
Calculated APR is [redacted] % which exceeds the threshold of [redacted] %.
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1004
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-20): Client acknowledges exception, which is informational only and does not impact grading.
 
    
06/20/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1005
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1005
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted] HPML Threshold Test Compliant
[redacted]  Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %  Compliant Higher Priced Loan.
[redacted]  Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %  Compliant Higher Priced Loan.
              
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Refinance - Cash-out - Other
No obvious cure
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1006
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1007
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1008
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1008
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
  
Paystubs missing for borrower 1 to verify the Income used.
      
Reviewer Comment (2025-06-24): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-06-24): INVALID borr on Long Term Disability see pages 423 & 482
 
06/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1008
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Failure due to the missing paystubs for B[redacted]  to determine income used to qualify.
      
Reviewer Comment (2025-06-24): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-06-24): INVALID borr on Long Term Disability see pages 423 & 482
 
06/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1008
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML [redacted]  Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %.  Non-Compliant Higher Priced Mortgage Loan.
Loan is waterfalling due to the missing paystubs for B[redacted]  to determine the current salary.
      
Reviewer Comment (2025-06-24): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-06-24): INVALID borr on Long Term Disability see pages 423 & 482
 
06/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1008
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan [redacted] Test
TILA HPML appraisal Rule (Dodd-Frank [redacted]): [redacted] requirements not satisfied.
Loan is waterfalling due to the missing paystubs for B1 to determine the current salary.
      
Reviewer Comment (2025-06-24): Income has been sufficiently verified. Exception is clear.
 
06/24/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1008
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit)
TILA HPML Appraisal Rule (Dodd-Frank [redacted] ): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property.
Loan is waterfalling due to the missing paystubs for B[redacted]  to determine the current salary.
      
Reviewer Comment (2025-06-24): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-06-24): INVALID borr on Long Term Disability see pages 423 & 482
 
06/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1008
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted] ): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan is waterfalling due to the missing paystubs for B[redacted]  to determine the current salary.
      
Reviewer Comment (2025-06-24): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-06-24): INVALID borr on Long Term Disability see pages 423 & 482
 
06/24/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1008
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
Loan is waterfalling due to the missing paystubs for B[redacted]  to determine the current salary.
      
Reviewer Comment (2025-06-24): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-06-24): INVALID borr on Long Term Disability see pages 423 & 482
 
06/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1008
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
Loan is waterfalling due to the missing paystubs for B[redacted]  to determine the current salary.
      
Reviewer Comment (2025-06-24): Income has been sufficiently verified. Exception is clear.
 
 
Seller Comment (2025-06-24): INVALID borr on Long Term Disability see pages 423 & 482
 
06/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1009
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1010
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1011
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1012
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1013
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1014
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1015
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-23): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/23/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1016
XXX
    
Credit
Collateral
Missing/Incorrect
Collateral
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
          
Buyer Comment (2025-06-04): Waived on Rate Lock: Collateral cleared by Custodian
 
    
06/04/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1017
XXX
    
Compliance
Compliance
State Compliance
State Defect
(TX50(a)(6)) Texas Cash-out Loan  (Fannie Mae forms not used for closing of home equity loan)
[redacted] Constitution Section [redacted] (a)([redacted] ):  [redacted]  forms not used for closing of home equity loan.
[redacted]  forms not used for closing of home equity loan.
              
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Cash-out - Other
The failure to use FNMA Documents does not present a clear remediation path.
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1017
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section [redacted] (a)([redacted] ): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
AVM used for valuation.
              
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1018
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date
Truth in Lending Act:  Subject loan transaction disbursed on [redacted] , prior to [redacted] ([redacted] ) business days from transaction date of [redacted] .
Subject loan transaction disbursed on [redacted] , prior to [redacted] ([redacted] ) business days from transaction date of [redacted] .  Final CD signed [redacted] .
      
Reviewer Comment (2025-06-05): SitusAMC received evidence of accurate material disclosures prior to 5/15/2025.
 
 
Buyer Comment (2025-06-05): rebuttal
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NC
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1018
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date
Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
Notice of Right to Cancel occurs prior to expected date.  Final CD signed [redacted] .
      
Reviewer Comment (2025-06-05): SitusAMC received evidence of accurate material disclosures prior to 5/15/2025.
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NC
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1019
XXX
    
Compliance
TRID
Document Error
TRID
Closing Disclosure: Dates are not in chronological order.
- Issue Date: ___; Received Date: ___; Signed Date: ___
Date signed is prior to the date issue.
              
2
B
B
B
B
B
B
B
B
B
B
  
IL
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1019
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]  disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted]  or [redacted]  of final CD.
      
Reviewer Comment (2025-06-03): Corrected on signed PCCD.
 
  
06/03/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IL
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1019
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Property Costs Year [redacted] Underdisclosed - [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted]  of  on Final Closing Disclosure provided on [redacted]  are underdisclosed
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted]  or [redacted]  of final CD.
      
Reviewer Comment (2025-06-03): Corrected on signed PCCD.
 
  
06/03/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IL
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1019
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Total Of Payments
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]  disclosed an inaccurate Total of Payments on page 5[redacted]  that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted] ).  The disclosed Total of Payments in the amount of $[redacted]  is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold.
Corrected on PCCD, in order to cure please provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, and Re-open Rescission
      
Reviewer Comment (2025-06-10): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.
 
 
Buyer Comment (2025-06-09): docs
 
 
Buyer Comment (2025-06-05): it looks to be the opposite as you said it - CD dated 5/29 has closing costs at $3,789.56 and PCCD from 5/22 shows $3,739.56 - so $50 were added to CD on 5/29 from 5/22
 
 
Reviewer Comment (2025-06-05): Loan costs at closing were $3739.56.  Loan costs on PCCD are $3789.56. The fee increase is above tolerance and cure in the amount of $50 is required.  Remediation requires PCCD, LOE, Copy of refund check, re-opening of RTC and proof of delivery.  Further, This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure, and the RTC must allow the borrower three days to cancel the transaction from date of delivery.
 
 
Buyer Comment (2025-06-04): per seller: I do not agree with this.  They are stating that the COC CD on 5/22/25 was under disclosed by $50 from the final CD at closing on 5/29/25 and needs to be refunded.
The title company changed their settlement/closing fee by the $50.00 (increased it) before closing.  That is why the final CD has the correct total payments that is $50.00 higher.  The fee increased form $100 on 5/22 to $150 on 5/29 which did not impact the APR and a new 3 day waiting period was not required.
We should not have to refund this or re-open the right of rescission as the final CD was correct.
 
06/10/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IL
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1019
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]  did not disclose Estimated Property Costs over Year [redacted]  for loan with no escrow account established.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted]  or [redacted]  of final CD.
      
Reviewer Comment (2025-06-03): Corrected on signed PCCD.
 
  
06/03/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IL
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1019
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]  incorrectly disclosed whether the loan will have an escrow account.
Reason for no escrows not selected on pg. [redacted] of final CD.
      
Reviewer Comment (2025-06-03): Corrected on signed PCCD.
 
  
06/03/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IL
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1020
XXX
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
Missing Document: Missing Final 1003
          
Reviewer Comment (2025-06-05): Provided and cleared.
 
 
Buyer Comment (2025-06-05): 1003
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1020
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
[redacted]  Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing
 
  
06/03/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1021
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
Right of Rescission Timing - Receipt Date Missing
Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.
We are missing the signatures on the RTC form for both borrowers.
      
Reviewer Comment (2025-06-05): Signed RTC provided and cleared.
 
 
Buyer Comment (2025-06-05): rtc
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1021
XXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
Notice of Right To Cancel Not Provided to All Required Parties
Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.
We are missing the signatures on the RTC form for both borrowers.
      
Reviewer Comment (2025-06-05): Signed RTC provided and cleared.
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1021
XXX
    
Compliance
Missing Document
General
Missing Document
Incomplete Document: Right to Cancel (RTC) is incomplete
  
We are missing the signatures on the RTC form for both borrowers.
      
Reviewer Comment (2025-06-05): Signed RTC provided and cleared.
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1023
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Property Costs Year [redacted] Underdisclosed - [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted]  of  on Final Closing Disclosure provided on [redacted] are underdisclosed
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted]  or [redacted]  of final CD.
      
Reviewer Comment (2025-06-10): Cure docs provided.
 
 
Buyer Comment (2025-06-10): cd/lox
 
  
06/10/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1023
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year [redacted]
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]  did not disclose Estimated Property Costs over Year [redacted]  for loan with no escrow account established.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted]  or [redacted]  of final CD.
      
Reviewer Comment (2025-06-10): Cure docs provided.
 
  
06/10/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1023
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]  or $[redacted] .  Insufficient or no cure was provided to the borrower.
[redacted]  Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] .  Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-06-05): COCs provided and cleared.
 
 
Buyer Comment (2025-06-05): per seller: The fees increased were cured at closing, page 2 of the Final CD. Our compliance system is not showing that we are in violation of the 10%. I uploaded the COC for review
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1023
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID  Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Insufficient or no cure was provided to the borrower.
[redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-06-05): COCs provided and cleared.
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1023
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted]  Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Insufficient or no cure was provided to the borrower.
[redacted]  Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted] .  Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-06-05): COCs provided and cleared.
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1023
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]  disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan.
Non-escrowed tax and insurance costs not properly disclosed on pg. [redacted]  or [redacted]  of final CD.
      
Reviewer Comment (2025-06-10): Cure docs provided.
 
  
06/10/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1023
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted]  Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]  exceeds tolerance of $[redacted] .  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing
 
  
06/05/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1023
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing
 
  
06/05/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1024
XXX
    
Credit
Loan Package Documentation
Loan File
Missing Document
Missing Document: Hazard Insurance Policy not provided
          
Reviewer Comment (2025-06-05): Received and cleared.
 
 
Buyer Comment (2025-06-05): hoi
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
KY
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1024
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing
 
  
06/03/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1024
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing
 
  
06/03/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
KY
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1027
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
[redacted] personal returns not in file.  Informational level [redacted]exception.
              
2
B
B
B
B
B
B
B
B
B
B
  
UT
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1027
XXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date[redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
[redacted] personal returns not in file.  Informational level [redacted] exception.
              
2
B
B
B
B
B
B
B
B
B
B
  
UT
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1028
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing
 
  
06/04/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1029
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
Recording Fee increased on Final CD dated [redacted] CD without a valid Change of Circumstance. $[redacted]cure is insufficient to resolve all tolerance violations.
      
Reviewer Comment (2025-06-05): COCs provided and cleared.
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1029
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Fee increased on Final CD dated [redacted] CD without a valid Change of Circumstance. $[redacted]cure is insufficient to resolve all tolerance violations.
      
Reviewer Comment (2025-06-05): COCs provided and cleared.
 
 
Buyer Comment (2025-06-05): coc
 
06/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1029
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing
 
  
06/05/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
MA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1030
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing
 
  
06/04/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1032
XXX
    
Compliance
Loan Package Documentation
Application / Processing
Missing, Incorrect, or Incomplete Final or Initial 1003
Missing Document: Missing Lender's Initial 1003
                  
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1032
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan Safe Harbor Test
TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied.
Missing evidence of appraisal receipt [redacted] days prior to close.
              
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1032
XXX
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - List of Homeownership Counseling Organizations Missing
RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1032
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing
 
  
06/04/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
B
A
A
C
B
A
A
Non QM
Non QM
Yes
[Redacted]
[Redacted]
[Redacted]
1032
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML [redacted] Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Mortgage Loan.
Missing evidence of appraisal receipt [redacted] days prior to close.
      
Reviewer Comment (2025-06-06): Appraisal notice provided and cleared.
 
 
Buyer Comment (2025-06-06): receipt
 
06/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1032
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation.
Missing evidence of appraisal receipt [redacted] days prior to close.
      
Reviewer Comment (2025-06-06): Appraisal notice provided and cleared.
 
06/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1034
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-06): Sufficient Cure Provided At Closing
 
  
06/06/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1035
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing
 
  
06/09/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1036
XXX
    
Compliance
Loan Package Documentation
Application / Processing
Missing, Incorrect, or Incomplete Final or Initial 1003
Missing Document: Missing Lender's Initial [redacted]
                  
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1036
XXX
    
Compliance
Compliance
Federal Compliance
TRID
ECOA Appraisal Disclosure - ECOA Timing
ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within[redacted] days of the loan application date.
No evidence  in file of when the borrower received a copy of the appraisal.
      
Reviewer Comment (2025-06-10): Application date adjusted and cleared.
 
06/10/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1036
XXX
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - List of Homeownership Counseling Organizations Missing
RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1036
XXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Loan Estimate Timing Electronically Provided
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application.
Initial LE not issued within [redacted] business day of [redacted] application date.
      
Reviewer Comment (2025-06-10): Application date adjusted and cleared.
 
 
Buyer Comment (2025-06-10): lox
 
06/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1036
XXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower.
Appraisal Re-Inspection Fee was disclosed on initial Loan estimate as $[redacted] but disclosed but final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file.
      
Reviewer Comment (2025-06-06): Sufficient Cure Provided within 60 Days of Closing
 
  
06/06/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[Redacted]
[Redacted]
[Redacted]
1037
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Investment
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
1038
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1039
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1040
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1041
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1041
XXX
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Approval not provided
  
Approval provided in the file is not for the subject property.
      
Reviewer Comment (2025-06-26): Approval provided. Exception is clear.
 
 
Seller Comment (2025-06-26): Approval Attached
 
06/26/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1042
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1043
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1044
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1045
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope. Please consult UWQ/Lead/CSM for further instruction.
      
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1046
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1046
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
Federal HPML [redacted] Non Compliant
Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Mortgage Loan.
APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan.
      
Reviewer Comment (2025-06-26): Proof of receipt provided. Exception is clear.
 
 
Seller Comment (2025-06-26): Appraisal used from previous loan, receipts attached
 
06/26/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1046
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation.
        
Reviewer Comment (2025-06-26): Proof of receipt provided. Exception is clear.
 
 
Seller Comment (2025-06-26): Appraisal used from previous loan, receipts attached
 
06/26/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1046
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)
TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation.
      
Reviewer Comment (2025-06-26): Proof of receipt provided. Exception is clear.
 
 
Seller Comment (2025-06-26): Appraisal used from previous loan, receipts attached
 
06/26/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1047
XXX
    
Compliance
Compliance
Federal Compliance
Federal HPML
TIL Higher Priced Mortgage Loan Safe Harbor Test
TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied.
                
2
B
B
B
B
B
B
B
B
B
B
  
VA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1047
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1048
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1049
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1050
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1051
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1052
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1053
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1054
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Investment
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
1055
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-24): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/24/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1056
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-24): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/24/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1057
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-24): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/24/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1058
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1058
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Minnesota Residential Mortgage Originator and Servicer Licensing Act - Financed Points and Fees Exceeds 5% Threshold
[redacted] Residential Originator and Servicer Licensing Act: Financed Fees on subject loan in excess of [redacted]% of Total Loan Amount.
Financed Fees of $[redacted]on subject loan in excess of [redacted]% of Total Loan Amount ($[redacted])..
              
2
B
B
B
B
B
B
B
B
B
B
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1058
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
[redacted] Tangible Net Benefit Disclosure
[redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower.
                
2
B
B
B
B
B
B
B
B
B
B
  
MN
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1059
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens.
      
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1060
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope is [redacted] lien
      
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1061
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold)
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Compliant Higher Priced Loan.
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan
              
2
B
B
B
B
B
B
B
B
B
B
  
OK
Primary
Refinance - Cash-out - Other
No obvious cure
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1061
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
OK
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1062
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Investment
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
1063
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
MA
Investment
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
1064
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1065
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
IN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1066
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1067
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Investment
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
1068
XXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
  
Closing Disclosure provided however taxes and insurance are not escrowed and tax information was not provided on the disclosure. Lender to provide tax verification for the property located on [redacted].
      
Reviewer Comment (2025-06-27): Tax cert has been provided. Exception is clear.
 
 
Seller Comment (2025-06-27): Tax Bill uploaded
 
06/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
1068
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-08): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/08/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
1068
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within [redacted] business days of the Note.
  
Missing VOE for Pacific Plastics for B[redacted].
      
Reviewer Comment (2025-06-27): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-06-27): VOE screen uploaded
 
06/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
1068
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income documentation requirements not met.
  
Missing VOE for Pacific Plastics for B[redacted].
      
Reviewer Comment (2025-06-27): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-06-27): VOE screen uploaded
 
06/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
1068
XXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
The verification of employment is required and was not found in file.
  
Missing VOE for Pacific Plastics for B[redacted].
      
Reviewer Comment (2025-06-27): VVOE provided. Exception is clear.
 
 
Seller Comment (2025-06-27): VOE screen uploaded
 
06/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Investment
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
1069
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1070
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1071
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1072
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1073
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-25): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/25/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1074
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
MO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1075
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1076
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1077
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1078
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-26): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/26/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1079
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
ID
Second Home
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1080
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1081
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1082
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope.
      
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1082
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted]Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1083
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1084
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1085
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1086
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1087
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1088
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1089
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1090
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope
      
Reviewer Comment (2025-07-03): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
07/03/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1091
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1091
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)
[redacted] Constitution Section[redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.
                
2
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1092
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1093
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
    
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1094
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1095
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1096
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1097
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1098
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1099
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1100
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1100
XXX
    
Compliance
Compliance
State Compliance
State HPML
(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)
[redacted] Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1100
XXX
    
Compliance
Compliance
State Compliance
State HPML
[redacted]HPML Threshold Test Non-Compliant
[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Loan.
                
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1100
XXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely)
[redacted] Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within [redacted] ([redacted]) business days of application or [redacted] ([redacted]) business days prior to closing.
Disclosure on responsibility for payment of taxes and insurance not provided to borrower within [redacted] business days of application or [redacted] business days prior to closing.
              
2
B
B
B
B
B
B
B
B
B
B
  
MD
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1101
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
CT
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1102
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-02): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
07/02/2025
3
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1103
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1104
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
SC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1105
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
OH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1106
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-02): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
07/02/2025
3
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1107
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
IN
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1108
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
NH
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1109
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
GA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1110
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-02): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/02/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Investment
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
N/A
N/A
No
[Redacted]
[Redacted]
[Redacted]
1111
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-02): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
07/02/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1112
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1113
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-06-30): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
06/30/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1114
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1115
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception. This exception is for informational purposes only and does not impact grading.
 
  
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1116
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-02): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
07/02/2025
3
A
A
A
A
A
A
A
A
A
A
  
AZ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1117
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-01): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/01/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1118
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-03): "Client acknowledges exception, which is informational only and does not impact grading."
 
    
07/03/2025
3
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1119
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-02): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/02/2025
3
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1120
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-02): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/02/2025
3
A
A
A
A
A
A
A
A
A
A
  
WI
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1121
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-02): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/02/2025
3
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Higher Priced QM (APOR)
Higher Priced QM (APOR)
No
[Redacted]
[Redacted]
[Redacted]
1122
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
The rating agencies must specifically approve the client for this reduced scope. Please consult UWQ/Lead/CSM for further instruction.
      
Reviewer Comment (2025-07-02): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/02/2025
3
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1123
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
          
Reviewer Comment (2025-07-02): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/02/2025
3
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No
[Redacted]
[Redacted]
[Redacted]
1124
XXX
    
Compliance
TRID
Transaction Error
TRID
This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.
  
This profile contains a reduced scope for subordinate liens.
      
Reviewer Comment (2025-07-02): Client acknowledges exception, which is informational only and does not impact grading.
 
    
07/02/2025
3
A
A
A
A
A
A
A
A
A
A
  
NM
Primary
Refinance - Cash-out - Other
  
A
A
A
A
A
A
A
A
Non QM
Non QM
No