Exhibit 99.6
EXHIBIT 99.6 CLAYTON CONDITIONS REPORT 2.0
| Client Name: | ||||
| Client Project Name: | SEMT 2025-8 | |||
| Start - End Dates: | 3/10/2025 - 7/15/2025 | |||
| Deal Loan Count: | 284 | |||
| Conditions Report 2.0 | ||||
| Loans in Report: | 284 | |||
| Loans with Conditions: | 213 | |||
| 0 - Total Active Conditions | ||||||
| 433 - Total Satisfied Conditions | ||||||
| 166 - Credit Review Scope | ||||||
| 12 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 4 - Category: Application | ||||||
| 16 - Category: Assets | ||||||
| 8 - Category: Credit/Mtg History | ||||||
| 17 - Category: DTI | ||||||
| 71 - Category: Income/Employment | ||||||
| 13 - Category: Insurance | ||||||
| 6 - Category: Legal Documents | ||||||
| 17 - Category: Terms/Guidelines | ||||||
| 2 - Category: Title | ||||||
| 13 - Property Valuations Review Scope | ||||||
| 12 - Category: Appraisal | ||||||
| 1 - Category: Property | ||||||
| 254 - Compliance Review Scope | ||||||
| 23 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 22 - Category: Compliance Manual | ||||||
| 8 - Category: Documentation | ||||||
| 1 - Category: Federal Consumer Protection | ||||||
| 6 - Category: Finance Charge Tolerance | ||||||
| 12 - Category: RESPA | ||||||
| 1 - Category: Right of Rescission | ||||||
| 2 - Category: State Consumer Protection | ||||||
| 3 - Category: Texas Home Equity | ||||||
| 176 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 58 - Total Waived Conditions | ||||||
| 45 - Credit Review Scope | ||||||
| 7 - Category: Assets | ||||||
| 7 - Category: Credit/Mtg History | ||||||
| 4 - Category: DTI | ||||||
| 14 - Category: Income/Employment | ||||||
| 8 - Category: LTV/CLTV | ||||||
| 5 - Category: Terms/Guidelines | ||||||
| 8 - Property Valuations Review Scope | ||||||
| 5 - Category: Appraisal | ||||||
| 3 - Category: Property | ||||||
| 5 - Compliance Review Scope | ||||||
| 2 - Category: Documentation | ||||||
| 1 - Category: RESPA | ||||||
| 1 - Category: Right of Rescission | ||||||
| 1 - Category: TILA/RESPA Integrated Disclosure | ||||||
©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
| Client Name: | |||
| Client Project Name: | SEMT 2025-8 | ||
| Start - End Dates: | 3/10/2025 - 7/15/2025 | ||
| Deal Loan Count: | 284 | ||
| Conditions Report 2.0 | |||
| Loans in Report: | 284 | ||
| Loans with Conditions: | 213 | ||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors | Loan Status |
| 409008269 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | B | B | B | B | C | B | C | A | B | B | B | B | Compliance | Documentation | Satisfied | B | A | B | A | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | XXX approved exception for escrow holdback. $XXX not released for driveway, sidewalk and rear patio. 1004D and escrow funds release to be provided no later than XXX. | 4/3 Client provided an approved exception to allow the file with an escrow hold back with a 1004D showing work completed coming after work is completed in XXX(weather)6.16.2025 Client provided evidence escrow holdback of $XXX being released to XXX and provided 1004D with completion of work (along with exterior photos) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409008269 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | B | B | B | B | C | B | C | A | B | B | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title, transaction is Lender to Lender Refinance. ROR Form H-9 required. Lender used ROR Form H-8. | 04/01/25 Client provided an approved exception for the incorrect ROR Form used. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409008269 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | B | B | B | B | C | B | C | A | B | B | B | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide tax calculation for using $XXX/month in taxes to qualify | 4/3 Client provided supporting tax calculation | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409008269 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | B | B | B | B | C | B | C | A | B | B | B | B | Property Valuations | Property | Waived | A | B | A | B | PRVAPROP177 | Property Issues Indicated | No | Original appraisal dated XXX is expired | 3/3 Client provided an approved exception to allow the expired appraisal dated over XXX days aged. | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409008657 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing Flood cert to support flood insurance not required.2. Missing verification of subject tax expense to support $XXX used to qualify.3. Missing proof of termination of rental lease for XXX to support excluding lease payment of $XXX per month from DTI calculation. Inclusion of the expense increases qualifying DTI to XXX% which exceeds the XXX% variance tolerance. | 3.26.2025 Client provided Lender LOX on tax calculation used for subject supporting $XXX for monthly $XXX; condition remains for missing proof of termination of rental lease w/XXX, (per initial condition) 3.27.2025 Client provided LOX and other documentation, stating Lease ends XXX and subject was new construction, now completed. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post close reserves $XXX exceed required reserves $XXX. CFCFS2854: Significant time in profession - xxx Comments: B1 has XXX years XXX month in same line of work. B2 has XXX years XXX months in same line of work. |
Client Complete |
| 409008657 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing final CD acknowledged by borrowers at closing on XXX | 03/26/25 Client provided a duplicate copy of the XXX CD e-signed on XXX with signed LOE from Lender stating the referenced loan was a Hybrid closing and the Final CD was e-signed XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post close reserves $XXX exceed required reserves $XXX. CFCFS2854: Significant time in profession - xxx Comments: B1 has XXX years XXX month in same line of work. B2 has XXX years XXX months in same line of work. |
Client Complete |
| 409008657 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | 1. Missing verification of subject tax expense to support $XXX used to qualify.2. Missing proof of termination of rental lease for XXX to support excluding lease payment of $XXX per month from DTI calculation. Inclusion of the expense increases qualifying DTI to XXX% which exceeds the XXX% variance tolerance. | 3.26.2025 Client provided Lender LOX on tax calculation used for subject supporting $XXX for monthly $XXX ; condition remains for missing proof of termination of rental lease w/XXX, (per initial condition) 3.27.2025 Client provided LOX and other documentation, stating Lease ends XXX and subject was new construction, now completed. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post close reserves $XXX exceed required reserves $XXX. CFCFS2854: Significant time in profession - xxx Comments: B1 has XXX years XXX month in same line of work. B2 has XXX years XXX months in same line of work. |
Client Complete |
| 409008657 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood cert to support flood insurance not required. | 3.26.2025 Client provided Flood Certification, flood zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post close reserves $XXX exceed required reserves $XXX. CFCFS2854: Significant time in profession - xxx Comments: B1 has XXX years XXX month in same line of work. B2 has XXX years XXX months in same line of work. |
Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, a revised CD was issued on XXX which is missing from file. | 03/26/25 Client provided the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceed guidelines |
Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | Assets | Satisfied | B | A | B | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Two (2) Business Assets being used for transaction, missing 3rd month and business asset cash flow analysis worksheet XXX #XXX and XXX #XXX both having (November and XXX XXX statement in file), provided 3rd month and Cash Flow Business Asset Analysis. | 3/26 Client provided the XXX XXX statement still missing the XX XXX #XXX stmt and XXX cash flow analysis of the accounts 3/27 Client provided the CFA and XXX XXX statement | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceed guidelines |
Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Currently using Lender income Missing Lender Income Calculation worksheet to determine where difference is Missing all 3 worksheet calculation (Capital Gains, Dividends/Interest and Schedule C) Income still under review, not finalized. | 3/26 client provided income WS to support Sch C income calculation $XXX matching DD UW calculation, DTI updated to XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceed guidelines |
Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC889 | Income is Not Reasonable | No | Missing Income worksheet for all calculation of income, Lender comments only states the amount used, no calculation. Cash Flow Income Analysis for XXX borrower Calculation worksheet for Capital Gains and Calculation worksheet of Dividends/Interest. | 3/26 client provided income WS to support Sch C income calculation $XXX matching DD UW calculation, DTI updated to XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceed guidelines |
Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan amount of $XXX is max XXX% per guidelines Subject LTV XXX% exceed guidelines maximum of XXX% Waiver not applied, outstanding credit conditions on file | 3/27 Client provided an approved exception to allow the file at XXX LTV | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceed guidelines |
Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | Title | Satisfied | B | A | B | A | CRDTIL865 | Title incomplete | No | Title to reflect the correct Proposed Amount of Insurance, currently showing $XXX and $XXX should be $XXX and $XXX | 3/26 Client provided corrected title matching the loan amt | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceed guidelines |
Client Complete |
| 409008833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | B | C | A | D | B | D | B | D | B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as a 2nd Appraisal Inspection fee was added to Final CD XXX without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 03/14/25 Client provided a missing XXX Revised CD with Tracking that shows Reason for Revision as "Other". Condition remains. This is not a valid COC. Provide a valid COC for review, or provide borrowers with a $XXX refund, Post CD with increased tolerance cure, LOE and proof of delivery that includes tracking.03/17/25 Client provided a duplicate copy of the XXX CD's and an LOE/COC dated XXX. The explanation only states the fee was added. It does not provide a valid change in circumstance. Borrower is due a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking.03/24/25 Client provided another LOE stating the 2nd Inspection was done XXX based on the condition added for the additional RETS inspection on XXX. Condition remains. Provide the "change in circumstance" details/explanation for further review.03/25/25 Client provided another LOE with the same screen shots reflecting the XXX additional inspection needed. Upon review by internal Compliance counsel, the LOE's, COC's, along with the XXX initial Inspection showing the property was Not Complete, validates the addition of the 2nd Inspection fee that would be needed. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. |
Client Complete |
| 409008833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | B | C | A | D | B | D | B | D | B | C | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 3/14 Client provided a determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. |
Client Complete |
| 409008833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | B | C | A | D | B | D | B | D | B | C | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File is missing an additional consecutive months bank statements for all 3 XXX Bank accounts used to qualify. Only XXX month statements provided in the file. | 3/13 Client provided additional asset statements | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. |
Client Complete |
| 409008833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | B | C | A | D | B | D | B | D | B | C | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC2488 | Verbal verification of employment missing | No | File is missing a Verbal Verification of Employment (VVOE) performed no more than XXX(XXX) business days prior to the Note date for the co-borrower's 2nd job. | 3.18.2025 Client provided post close dated VVOE for B2 2nd job w/XXX dated XXX however Note date XXX ; not within XXX business days prior to the Note date. Condition remains 3.18.2025 Client provided exception approval for missing prior to closing VVOE for B2 2nd job with having a post close dated VVOE dated XXX and file having prior to closing paystubs. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. |
Client Complete |
| 409008833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | B | C | A | D | B | D | B | D | B | C | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Certification of Completion provided in the file indicates property is not complete. File is missing completion cert showing all work is completed. Cost to cure is $XXX. | 3.31.2025 Client provided copy of Escrow Agreement which states what is being held in Escrow for Completion of Driveway $XXX and Final CD reflect an Escrow Holdback. Condition remains for 1004D showing completion of Driveway and provide evidence from title company releasing the funds ($XXX) to XXX (Lender) 4/1 Client provided an approved exception to allow the file without the 1004D and with an open holdback | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; DTI below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. |
Client Complete |
| 409008841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 03/31/25 Client provided the missing XXX Initial CD with Tracking and Revised XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409008841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX signed on XXX is the only CD in file. Missing initial CD acknowledged by all title holders min XXX days prior to closing date XXX. If initial CD was emailed to non-borrowing spouse, a prior e-consent is also required. | 03/31/25 Client provided the missing XXX Initial CD with Tracking and Revised XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409008841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in amount of $XXX due to added Discount Points $XXX on LE XXX which increased to $XXX on final CD XXX with no valid COC in file and decreased Lender's credit from $XXX on initial LE XXX to $XXX on LE XXX and increased to $XXX on final CD XXX with no valid COC in file. Condition is pending receiving a valid Change of Circumstances/ Rate Lock pricing or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 03/31/25 Client provided the missing XXX Initial CD, XXX Tracking, XXX Rate Lock Agreement and Revised XXX CD. Condition remains. Points were added on the Revised XXX LE ($XXX) then increased on the Revised XXX CD ($XXX) without a valid COC. The XXX Lock that was provided with the XXX Revised CD reflects the $XXX Points with a Lock Extension, however the XXX CD still reflects the Points of $XXX. Also, the Lender Credit baseline of $XXX on the Initial (Locked) XXX LE was reduced to $XXX on the Initial XXX CD ($XXX additional for cure amount). This was increased again on the Final XXX CD, however the increase was only for the cure amount. For further testing, provide the missing Change documentation for all Points and Lender Credit changes. Additional conditions may apply, including refund to borrower.04/08/25 Client provided an LOE from Seller with screen shots validating the Lender Credit decrease to $XXX on the XXX LE (Escrow Waiver pricing adjustment). Condition remains. Re-testing still results in an additional Zero Tolerance violation of $XXX due to the added Points ($XXX added on the XXX LE then increased to $XXX on the XXX CD). Missing change documents for the $XXX Points added on the XXX LE, and the Lock that was provided with the XXX CD for the Points of $XXX was dated XXX and not within timing for re-disclosure (the XXX CD still reflects Points of $XXX).04/10/25 Client provided an LOE from Lender with a grid breakdown of the Disclosures / Reasons. Condition remains. For the Points added on the XXX LE, provide the missing Rate Lock Agreement as reflected on the eSign Summary/Tracking in file. Also, regarding the 3/6 CD increase to Points, the grid shows a lock extension occurred, however the Rate Lock provided with the XXX CD is dated XXX (timing for re-disclosure not met). Re-testing to be performed upon receipt of requested docs.04/14/25 Client provided the full XXX LE package with Lock and a XXX preview Lock, along with a Seller response stating a Lock auto generates with the disclosure package, the LE is dated current date to comply with TRID rules but the Lock agreement holds the date from the last disclosure. The Lock provided with the XXX LE is e-signed XXX by the borrower, reflects the $XXX Points and coincides with the grid and Appraisal (value change). The Lock expires XXX and the Lock extension was disclosed on the XXX CD (Lock reflects the increased Points and Extension Date). | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409008841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing Homeowners Insurance Binder for subject property | 3.31.2025 Client provided HOI policy for subject property | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409008841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing title | 3/26 Client provided the Title | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409008879 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | B | D | B | B | B | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per COC dated XXX in file, a revised CD was issued but is missing in file. | 03/21/25 Client provided duplicate copies of the XXX Initial CD and XXX Final CD. Condition remains. Lender to provide clarification if a CD was issued within XXX days of the XXX Change document.03/26/25 Client provided a XXX Post CD for a tolerance violation. Condition remains. Lender to provide clarification if a CD was issued within XXX days of the XXX Change document.03/27/25 Client provided an Email confirmation from the Lender that a CD was not issued XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS5269: Minimal use of credit - xxx Comments: Borrower conservative credit user; minimal outstanding debt. |
Client Complete |
| 409008879 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | B | D | B | B | B | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added 2nd Appraisal/ Review fee on CD XXX with no valid reasons documented in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.. | 03/21/25 Client provided duplicate copies of the XXX Initial CD and XXX Final CD. Condition remains. File contains a XXX Change document adding the review appraisal, however there is no corresponding CD in file for this change, and the change reason is not valid. Borrower is due a refund of $XXX, Post CD with tolerance cure, LOE and proof of delivery that includes tracking.03/26/25 Client provided a XXX Post CD with cure, refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS5269: Minimal use of credit - xxx Comments: Borrower conservative credit user; minimal outstanding debt. |
Client Complete |
| 409008879 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | B | D | B | B | B | A | A | D | B | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Maximum Cash Out allowed $XXX; received $XXX. | 3/19 Client provided an approved exception to allow the file with cash out of $XXX | xxx final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS5269: Minimal use of credit - xxx Comments: Borrower conservative credit user; minimal outstanding debt. |
Client Complete |
| 409008900 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage | 06/10/25 Client provided the fully executed Mortgage and Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co Borrower at current employment XXX years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% |
Client Complete |
| 409008909 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | D | B | D | B | A | A | D | B | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking, a loan estimate was issued on XXX which is missing from the file. | 03/25/25 Client provided the missing XXX LE and COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409008909 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | D | B | D | B | A | A | D | B | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX as recording fee increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 03/31/25 Client provided a XXX Post CD with $XXX principal reduction for a tolerance cure, LOE to borrower, Disclosure Tracking for delivery and payment history reflecting the PR deposit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409008909 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | D | B | D | B | A | A | D | B | D | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Appraisal completed subject to without a completion cert. | 3/31 Client provided an approved exception to allow the file without the 1004D and will obtain post purchase5/19 Client provided a 1004D showing all items completed | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409008909 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | D | B | D | B | A | A | D | B | D | B | Property Valuations | Property | Waived | C | B | C | B | PRVAPROP245 | Escrow for Repairs - Not Released | No | XXX approved exception for escrow holdback. CD shows an escrow holdback of $XXX for pending completion of the driveway and landscaping. | 3/31 Client provided an approved exception to allow the file with the escrow account, and will obtain a 1004D and release of funds post purchase | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; DTI below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409008982 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per COC XXX, a revised LE was issued on XXX which is missing from file. | 03/26/25 Client provided the XXX LE and XXX COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has been in the same residence for XXX years. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX required reserves. |
Client Complete |
| 409008982 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Missing lender's income calculation on FNMA form 1084 (or equivalent) required by guides for XXX analysis. Copy of liquidity analysis must be included due to income being used from K-1s line 1 being greater than distributions indicated. | 3/25 Client provided the 1084; still missing the liquidity analysis3.28.2025 Client provided Business Liquidity, passing | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has been in the same residence for XXX years. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX required reserves. |
Client Complete |
| 409008982 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing verification of the existence of borrower's XXX via 3rd party source (CPA letter, regulatory agency or licensing bureau) no more than XXX calendar days prior to note date XXX; screen shots of borrowers website is not acceptable. | 3/25 Client provided SOS business searches | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has been in the same residence for XXX years. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX required reserves. |
Client Complete |
| 409008982 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Provided updated/Final 1008 to reflect manual underwrite; 1008 provided showing AUS DU approve/ineligible status. | 3/27 Client provided a duplicate 1008; condition remains for Final 1008 to reflect manual underwrite3/28 Client provided the 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has been in the same residence for XXX years. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX required reserves. |
Client Complete |
| 409009037 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC3204 | Income Documentation Missing | No | Missing XXX full years of transcripts | 3.27.2025 Client provided copy of lock confirmation switching program to XXX AUS vs XXX XXX YR; under new program AUS transcripts are not required. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
Client Complete |
| 409009037 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification for borrowers Schedule C | 3.27.2025 Client provided Business License dated XXX for Schedule C business for B1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
Client Complete |
| 409009037 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX full years of tax returns, only 23 in file | 3.27.2025 Client provided copy of lock confirmation switching program to XXX AUS vs XXX XXX YR; under new program most recent tax return (XXX year) is required, file have XXX 1040 to support Schedule C income (per DU) | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
Client Complete |
| 409009090 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | Lack of XXX years Earning History (less than 2 years XXXt). Lender approval in file however not applied due to additional outstanding exceptions. | 3/21 Client provided an approved exception to allow the file with less than XXX years XXX employment | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; DTI below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete |
| 409009096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing documentation to validate PITI payment of borrower's second home. No statement or tax/insurance documentation; unable to determine if taxes and insurance are escrowed and included in payment shown on credit report. | 4.2.2025 Client provided evidence of PITIA payment of $XXX (include taxes/insurance) for property:XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months paid 0x30; XXX months required. |
Client Complete |
| 409009096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months paid 0x30; XXX months required. |
Client Complete |
| 409009096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero percent tolerance in amount of $XXX due to increase in Appraisal Fee from $XXX on Initial LE:XXX to $XXX on Final LE:XXX with no COC in file. Lender's credit of $XXX for tolerance cure was applied towards increased Credit Report fee. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/02/25 Client provided a screen shot of the XXX Redisclosure Tracking and a XXX Change explanation that states Appraisal fee increased, passing on the Borrower. Condition remains. The screen shot with the Change does not provide a valid reason/explanation for why the Appraisal fee increased.04/03/25 Client provided another screen shot showing the XXX Valuation email for the increased charge due to the assignment complexities. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months paid 0x30; XXX months required. |
Client Complete |
| 409009096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. | 4.1.2025 Client provided LOX stating, Seller Comment: CU >2.5 is not applicable. The appraisal shows condition as C1 and provided copy of duplicate appraisal in file. Response, this condition is for missing 3rd party CDA valuation supporting appraised value. Condition remains 4.2.2025 Client provided 1004D Completion report (already in file) however initial condition is for missing 3rd party CDA valuation supporting appraised value. CU Score 2.9 (Lender have variance however CU Score is > 2.5), CDA is required. 4/16 Client provided a Field review supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months paid 0x30; XXX months required. |
Client Complete |
| 409009131 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required XXX. |
Client Complete | |||||||||||||||
| 409009189 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XXX is only CD in file. Product not disclosed at least three days prior to closing date of XXX | 04/28/25 Client provided the missing XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% calculated DTI; XXX% max allowed. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: > XXX months reported 0x30; XXX months required. |
Client Complete |
| 409009189 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing. | 04/28/25 Client provided the missing XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% calculated DTI; XXX% max allowed. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: > XXX months reported 0x30; XXX months required. |
Client Complete |
| 409009189 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Loan amount XXX rate/term refi Per guidelines for > XXX rate / refi - please provide below second full appraisal. Subject to LTV recalc and may be subject to additional conditions upon review: When two (2) appraisals are required, the following applies:? Appraisals must be completed by two (2) independent companies.? The LTV will be determined by the lower of the two (2) appraised values if the lower appraisal supports the value conclusion.? Both appraisal reports must be reviewed and address any inconsistencies between the two (2) reports and all discrepancies must be reconciled.? If the two (2) appraisals are done subject to and 1004Ds are required, it is allowable to provide one (1) 1004D. If only one (1) 1004D is provided, it should be for the appraisal that the value of the transaction is being based upon. | 5.1.2025 Client provided exception approval for missing 2nd full appraisal supporting value as required per guidelines, with file having 3rd party CDA and CU Score 1.2 supporting value | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factor, Low LTV XXX%, fico score XXX and excessive reserves verified. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% calculated DTI; XXX% max allowed. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: > XXX months reported 0x30; XXX months required. |
Client Complete |
| 409009200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Provide documentation that there is no HOA on XXX. 3rd party online shows property in HOA | 4/1 Client provided an LOX no HOA | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Non Occupant Co Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
Client Complete |
| 409009200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Need evidence of change of circumstances letter for XXX Percent tolerance, Recording Fees increase, or a copy of a refund check in the amount of $ XXX, Credit in the amount of $XXX on Final CD:XXX total increase for tolerance is $XXX- $XXX = $XXX. Recording Fee increased on XXX and again on XXX without a valid COC in file. Provide missing COC's, or provide additional refund of $XXX, PCCD with cure, LOE and proof of shipment. | 04/02/25 Client provided an LOE from Seller explaining to 2 Recording fee increases, Draft CD's breaking down the Recording charges. Supporting documents in file. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Non Occupant Co Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
Client Complete |
| 409009200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation that there is no HOA on XXX 3rd party online shows property in HOA | 4/1 Client provided LOX no HOAs on XXX | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Non Occupant Co Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
Client Complete |
| 409009200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide documentation that "other income" for B2 is Bonus. | 4/1 Client provided the income calculation for Bonus income and LOX that other income was not used | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Non Occupant Co Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
Client Complete |
| 409009200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | B | A | B | A | CRDTER3490 | Missing Patriot Act form | No | Provide Patriot Act for both borrowers. | 4.2.2025 Client provided executed Patriot Act for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Non Occupant Co Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
Client Complete |
| 409009205 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing lender Fannie Form 1084 or Freddie Form 91 or equivalent XXX calculation for B1. | 3/26 Client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Mortgage history reports XXX mos. 0x30. CFCFS1737: LTV below guideline requirements - xxx Comments: Qualifying LTV XXX% below program maximum XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post close reserves $XXX exceed required reserves $XXX. |
Client Complete |
| 409009305 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV |
Client Complete | |||||||||||||||
| 409009314 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing 3rd party VOE for XXX | 4/2 Client provided the VOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX Median FICO >XXXX points above guideline program minimum of XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409009314 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX Median FICO >XXXX points above guideline program minimum of XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409009314 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party VOE for XXX | 4/2 Client provided the 3rd party VOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX Median FICO >XXXX points above guideline program minimum of XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409009314 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA | 4.2.2025 Client provided CU Score 2.6 and LCA Risk 1.0 however file was not reviewed to AUS. Condition remains for 3rd party CDA valuation supporting appraised value. 4.4.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX Median FICO >XXXX points above guideline program minimum of XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409009520 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing revised LE dated XXX, per the Change of Circumstances with the same date. | 04/11/25 Client provided the XXX COC and XXX missing LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409009520 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing required Affiliate Business Disclosure. | 04/11/25 Client provided a signed LOE from Lender stating they do not have any affiliated business arrangements used on any mortgage transactions. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409009520 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE XXX was e-signed by both borrowers without a prior-e-sign consent in file. | 04/11/25 Client provided the XXX E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409009532 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
Client Complete | |||||||||||||||
| 409009541 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | The file does not contain an Affiliated Business Disclosure or a Privacy / Facts Disclosure. | 04/02/25 Client provided the Lender FACTS. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXXin reserves required. |
Client Complete |
| 409009541 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in amount of $XXX due to increase in Discount Points on LE XXX with no COC or Rate Lock with updated loan amount in file. Lender's credit of $XXX for tolerance cure was applied towards added Appraisal Desk Review fee. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/01/25 Client provided the missing XXX COC along with the XXX LE and XXX LE/COC. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXXin reserves required. |
Client Complete |
| 409009541 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 4.2.2025 Client provided Mavent w/QM Safe Harbor status | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXXin reserves required. |
Client Complete |
| 409009541 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing a copy of the 1st mortgage statement, or other documentation, for the borrowers' primary residence verifying taxes and insurance are escrowed. Used total PITI payment of $XXX for recalculations. If they are not escrowed, then verification of homeowners insurance premium and property tax amounts will be required and included in the liabilities. | 4.2.2025 Client provided PITIA documentation for other REO property (XXX) however initial condition is regarding Primary residence (XXX) missing mortgage statement (taxes, HOI/HOA) to support 1st lien PITIA payment of $XXX as reflected on REO of 1003. Condition remains 4.2.2025 Client provided XXX statement verifying PITIA payment of $XXX (includes taxes/insurance) for XXX property | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXXin reserves required. |
Client Complete |
| 409009541 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | File is missing the LP findings with an Accept/Ineligible -or- Eligible for High Balance due to loan amount. Additional review required. Verify income and asset documentation requirements. Additional exceptions may be required. | 4.2.2025 Client provided LP Streamline Accept submission #6 Note: 2nd job (XXX for B2) was not used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXXin reserves required. |
Client Complete |
| 409009564 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, file is missing Revised CDs XXX, XXX and Final CD XXX.Completed CDs required for further testing, additional conditions may apply. | 06/02/25 Client provided the CD issued on XXX (CD printed and e-signed XXX - duplicate of the CD issued XXX in file). Condition remains. The Tracking Summary reflects CD's Sent on XXX. Provide the missing XX CD's.06/05/25 Client provided the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% |
Client Complete |
| 409009564 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC3204 | Income Documentation Missing | No | Missing Mortgage statement for primary XXX to support PITI of $XXX | 5/21 Client provided the mortgage statement | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% |
Client Complete |
| 409011446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX |
Client Complete |
| 409011446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Title Survey was added without a COC in file to support it. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/01/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX |
Client Complete |
| 409011497 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Borrowers have $XXX in reserves. Required reserves are XXX months x $XXX = $XXX and XXX months for each of two financed reos: XXX x XXX = XXXRequired total = XXX, not met. Provide additional asset statements, meeting guidelines, supporting Borrower had required reserves. May be subject to additional conditions upon review. | 4/11 Client provided an approved exception to allow the file with $XXX in reserves | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline requirements of XXX% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline requirement of XXX%. |
Client Complete |
| 409011497 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Provide Missing Collateral Desktop Analysis (CDA) ordered from XXX or Consolidated Collateral Analysis (CCA) ordered from Consolidated Analytics supporting the appraised value of $XXX. May be subject to additional conditions upon review. | 4/16 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline requirements of XXX% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline requirement of XXX%. |
Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per disclosure tracking in file, a revised CD XXX was issued and received by borrowers but is missing in file. | 05/14/25 Client provided the missing XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: LTV below guideline requirements CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has significant time at current job, XXX years XXX(same location) CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceeds guidelines |
Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender QM status | 5.13.2025 Client provided XXXw/QM Safe Harbor status | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: LTV below guideline requirements CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has significant time at current job, XXX years XXX(same location) CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceeds guidelines |
Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing evidence of XXX and XXX mortgage payment being made for subject and 2nd home Bank statement in file support XXX and XXX payment (pg. 433/430) Note: Payoff for subject (pg. 477) reflect interest of XXX interest to XXX | 5.13.2025 Client provided duplicate documents (in file) in which XXX XXX statement reflect payment on XXX which covers the XXX mortgage payment, initial condition is regarding XXX and XXX mortgage payment being verified payment made. Condition remains 5.22.2025 Client provided evidence of XXX and XXX payment being made and provided evidence of XXX payment being made for other REO property w/payment of$XXX w/XXX last paid on XXX, still missing evidence XXX payment made to XXX payment $XXX (XXX and XXX payment verified for XXX, missing XXX), subject mortgage payment ($XXX) is now verified making XXX and XXX payment. Condition remains for evidence of XXX payment for payment of $XXX w/XXX5.30.2025 Client provided copy of XXX bank statement #XXX verifying payment of $XXX payment made on XXX w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: LTV below guideline requirements CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has significant time at current job, XXX years XXX(same location) CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceeds guidelines |
Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Per LOX in file (pg. 364, 533) stating borrower sold the property associated with the business. CD in file. Missing copy of the CD. File is also missing the tax returns that reflect this business of XXX (appears per the Cash Flow Income analysis for this business there was a large loss however tax returns not provided). Subject to additional documentation upon receipt and review of CD and XXX/XXX1040 tax returns | 5.13.2025 Client provided copy of the executed HUD-1 from sale of property: XXX (associated with the business) and provided copy of XXX/XXX1065 for business XXX. Condition remains for signed 1065 XXX/XXX XXX. Complete copy of 1065 was provided however not signed. 5.22.2025 Client provided pg. 1 of XXX/XXX1065 signed dated by borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: LTV below guideline requirements CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has significant time at current job, XXX years XXX(same location) CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceeds guidelines |
Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | B2 Schedule C / 1099 in file however missing (1). XXX/XXX 1040's and missing (2). XXX/XXX 1040 Transcripts missing (3). executed Borrowers consent Upon receipt, calculation of income required. File do have the Income Cash Flow Analysis | 5.13.2025 Client provided XXX/XXX 1040's and XXX/XXX 1040 Transcript supporting B2 Schedule C income and not using B1 Schedule C income. Condition remains for executed Taxpayer consent by both borrowers. 5.20.2025 Client provided executed Taxpayer consent for each borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: LTV below guideline requirements CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has significant time at current job, XXX years XXX(same location) CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceeds guidelines |
Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing B2 Schedule C end of year XXX P/L and YTD XXX P/LNote: both was provided per 1008 comments | 5.13.2025 Client provided Year end XXX P/L and YTD XXX P/L for B2 Schedule C XXX . Income used for qualifying is from YTD XXX P/L which is the lowest of all figures. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: LTV below guideline requirements CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has significant time at current job, XXX years XXX(same location) CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceeds guidelines |
Client Complete |
| 409011526 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:Subject (second home): XXX months PITIA+XXX months PITI for one financed REOMet CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV |
Client Complete | |||||||||||||||
| 409011530 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 4/30 Client accepts SH Determination | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have owned the subject property for XXX years XXX months. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
Client Complete |
| 409011532 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | D | B | B | B | D | B | C | A | D | B | B | B | Compliance | Documentation | Waived | B | B | B | B | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | $XXX executed Work Completion Escrow Agreement in file | 4/2/24 xxx XXX: Approved lender client exception in file not yet applied to open exceptions 4/28 Client provided an approved exception to allow the file with the open escrow pending 1004D | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409011532 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | D | B | B | B | D | B | C | A | D | B | B | B | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination. | (No Data) | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409011532 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | D | B | B | B | D | B | C | A | D | B | B | B | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | 1004D and escrow funds release documentation to be provided to XXX within XXX days of Note date. | 4/28 Client provided an approved exception to allow the file without tee 1004D and escrow release; per lender will obtain post purchase | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; good mortgage history, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409011626 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have lived in the same residence for XXX years. |
Client Complete |
| 409011626 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing in file CD in file. | 04/03/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have lived in the same residence for XXX years. |
Client Complete |
| 409011626 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX signed on XXX is the only CD in file. Missing initial CD acknowledged by borrowers min XXX days prior to closing date XXX | 04/03/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have lived in the same residence for XXX years. |
Client Complete |
| 409011626 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing evidence to verify $XXX in gift funds were received by settlement agent as outlined in XXX program guides. | 4/3 Client provided the executed HUD 1 showing receipt of the $XXX gift funds | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have lived in the same residence for XXX years. |
Client Complete |
| 409011628 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | RESPA | Waived | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure. | 05/22/25 Client provided an approved exception for the missing Affiliate Business Disclosure. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409011628 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Appraisal Fee increased, Inspection and Tax Service Fees were added without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/13/25 Client provided a duplicate copy of the XXX Pre-Application LE (Address TBD), XXX COC, screen shot of the XXX Appraisal (pg. 2) showing subject to completion and the XXX Final Inspection invoice. Lender also provided the following Seller response: Please note that borrower requested the change in loan terms on LE dated XXX and there for the appraisal fee was increased to $XXX. This is a valid reason for the change in the appraisal fee. Final inspection fee was disclosed on XXX and within the XXX days compliance it was disclosed in LE dated XXX, the appraisal doc also shows that subject to option is marked in it and we also have the final inspection invoice of $XXX. Therefore, no cure is applicable for this. Condition remains. The subject Application Date is XXX, therefore any prior LE without an address is not included in the TRID testing. The first LE in file is dated XXX (fee baselines). The Appraisal and Tax Service Fees were increased on the XXX LE without any valid explanation on the XXX COC. The Final Inspection fee was added on the XXX LE without any valid explanation on the XXX COC (the Appraisal was not even performed at this point - Date of Appraisal is XXX). Borrower is due a refund of $XXX, PCCD with tolerance cure, LOE and proof of delivery that includes Tracking.05/28/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE with e-delivery and a shipping label for the check. Tracking shows only the label has been created. Condition remains for the proof of shipment.06/12/25 Client provided an updated check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409011628 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | TILA/RESPA Integrated Disclosure | Waived | C | C | C | C | CMPTRID3552 | TRID - Loan Estimate not timely | Yes | Initial LE in file is dated XXX; application date is XXX. | 05/07/25 Client provided a duplicate copy of a XXX Pre Application LE without a Property Address (TBD). Condition remains. The Application Date is XXX. Provide the Initial LE, with the Property Address, within XXX business days of the XXX Application Date.05/13/25 Client provided another duplicate copy of the XXX Pre Application LE without a Property Address (TBD). Condition remains. The Application Date is XXX. Provide the Initial LE, with the Property Address, within XXX business days of the XXX Application Date.05/22/25 Client provided an approved exception for the LE not timely. | Final Grade C. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409011631 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing QM Determination | 3/26 Client provided ATR checklist provide missing QM Determination3/27 Client provided QM eligible determination; SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Total required reserves are $XXX. Borrowers have $XXX in post close reserves. CFCFS1737: LTV below guideline requirements - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX. |
Client Complete |
| 409011631 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing XXX month Cash Flow Analysis for XXX Statements #XXX/XXX | 3.31.2025 Client provided Business Liquidity calculation however initial condition is for Business Asset Cash Flow Analysis covering XXX months w/XXX #XXX and covering XXX months w/XXX #XXX condition remains 4/2 Client provided an Email that "We backed out the amount of business assets used for reserves to show that the business would still be solvent." Upon review the only asset accounts used are both Business accounts, Condition remains for Business Asset Cash Flow Analysis covering XXX months w/XXX #XXX and covering XXX months w/XXX #XXX4.3.2025 Client provided exception approval for missing Business Asset Cash Flow Analysis for both business account #XXX and #XXX | Upon review by Senior underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, borrower having over XXX years in profession, fico score XXX and XXX months reserves with considering business accounts. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Total required reserves are $XXX. Borrowers have $XXX in post close reserves. CFCFS1737: LTV below guideline requirements - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX. |
Client Complete |
| 409011631 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing 3rd party VOE for XXX | 3/26 Client provided VOE screenshot; missing supporting 3rd party document referred to in the screenshot3/27 Client provided the 3rd party verification | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Total required reserves are $XXX. Borrowers have $XXX in post close reserves. CFCFS1737: LTV below guideline requirements - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX. |
Client Complete |
| 409011631 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing signed pages of XXX and XXX 1120S for XXX | 4/1 Client provided signed XXX/XXX 1120s for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Total required reserves are $XXX. Borrowers have $XXX in post close reserves. CFCFS1737: LTV below guideline requirements - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX. |
Client Complete |
| 409011633 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXXis XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Borrower 3 has been XXX with current business since XXX. |
Client Complete | |||||||||||||||
| 409011640 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of XXX Income Tax Verification Service Fee of XXX added on Revised LE XXX w/o indication on COC Lender Credit NOT indicated on Final CD XXX; Corrected PCD, LOX, & refund missing. | 04/11/25 Client provided another XXX COC that indicates the Loan Program Change requires transcripts and the $XXX fee was added for the tax verification service. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete |
| 409011640 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV exception in file for XXX% LTV | 4/10/2025 client provided an approved exception for LTV. | Upon further review by Senior UW exception is deemed non material. Borrower has reserves of over $XXX | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete |
| 409011640 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS | 4/11 Client provided the AUS DUAI 2 | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete |
| 409011737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline requirement of XXX%. |
Client Complete |
| 409011737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Application | Satisfied | C | A | C | A | CRDAPP1813 | Undisclosed non-arm's length transaction | No | XXX: B1 is employed by Lender. Guidelines: 'Borrower is the employee of the originating lender and the lender has an established employee loan program. Evidence of employee program to be included in loan file' - please provide. | 4.10.2025 Client provided copy of Employee Lender Established loan program for B1 employment | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline requirement of XXX%. |
Client Complete |
| 409011745 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing required Affiliate Business Disclosure | 04/08/25 Client provided a duplicate copy of the Settlement Services Provider List (SPL). Condition remains. The SPL indicates the Title provider is not an Affiliate Business, however an Affiliated Business Disclosure for the Lender is required. If Lender has no Affiliates, provide a signed attestation stating this fact.04/10/25 Client provided an Email from the Lender, as of XXX the only provider they had no longer functions and the ABD form will stop printing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409011752 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing VOEs for all businesses. | 3/25 Client provided VVOEs with CPA | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Minimum credit score required is XXXX. Loan credit score is XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%. |
Client Complete |
| 409011752 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing income calc from lender on XXX income. | 3.24.2025 Client provided Lender Cash Flow Income Analysis calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Minimum credit score required is XXXX. Loan credit score is XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%. |
Client Complete |
| 409011762 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete | |||||||||||||||
| 409011764 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX years W2's for B1 as required per guidelines. | 4/29 Client provided an approved exception to allow the file using a WVOE instead of W2s | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS5269: Minimal use of credit - xxx Comments: Conservative credit users; minimal outstanding debts. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers reserves XXX months PITIA. |
Client Complete |
| 409011766 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing evidence to verify the non-occupant borrowers' tax/insurance and HOA (if applicable or statement from borrowers that the property is not in an HOA) payments on their primary residence. | 4/22 Client provided the PITIA for NON OO Bwr | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409011766 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence to verify the non-occupant borrowers' tax/insurance and HOA (if applicable or statement from borrowers that the property is not in an HOA) payments on their primary residence. | 4/22 Client provided the PITIA for NON OO | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409011777 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | File contains a CD issued on XXX with no signatures or Tracking. Lender to provide confirmation if this CD was delivered to the borrowers. Additional conditions may apply. | 04/15/25 Client provided a signed LOE from Lender stating the XXX CD was generated to begin balancing with the title agent. The borrower did not receive a copy of the XXX CD. The Initial CD was issued on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower 2 has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing PITI documentation for XXX/XXX; XXX; XXX XXX; and XXX Missing documentation for new Timberland loan with $XXX/month payment | 5/19 Client provided supporting docs for PITI and XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession |
Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial LE is dated XXX and application date is XXX. LE not disclosed within 3 business days of the application. | 05/20/25 Client provided the XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession |
Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing PITI documentation for XXX/XXX; XXX; XXX; XXX and XXX | 5/19 Client provided PITI docs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession |
Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing 3rd party printout for XXX | 5/16 Client provided the VOE | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession |
Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documentation for new XXX loan with $XXX/month payment | 5/19 Client provided the XXX statement | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession |
Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Borrowers cash out is $XXX. Max cash out for XXX% ltv is $XXX | 5/13 Client provided an approved exception to allow the file with cash out of $XXX | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession |
Client Complete |
| 409011919 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary in file, a revised CD XXX was issued and received by borrower on XXX. Disclosure is missing in file. | 05/01/25 Client provided the missing XXX CD, E-Consent and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
Client Complete |
| 409011919 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Coverage is XXX. $XXX is required. Provide additional coverage or RCE from Insurance company. | 4/30 Client provided the insurance RCE showing $XXX required | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
Client Complete |
| 409011919 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Effective date of XXX is prior to disbursement date, however the expiration date is XXX. Provide XXX year Hazard Insurance Binder. Additional conditions may apply | 4/30 Client provided insurance from XXX to XXX | Satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status Missing all pages of XXX and XXX 1040's and Business Returns including K1'sProvide documentation that borrower no longer owns XXX #XXX | 4/23 Client provided the income WS; Still Missing all pages of XXX and XXX 1040's and Business Returns including K1's and Provide documentation that borrower no longer owns XXX #XXX | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX |
Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing QM Determination | 4/28 Client provided a determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX |
Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing all pages of XXX and XXX 1040's and Business Returns including K1'sIncome will be calculated once received. | 4/28 Client provided 1040s and 1120s with K1 supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX |
Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | XXX Income WS not Provided | 4/23 Client provided the income WS supporting the qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX |
Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing 3rd party VOE including the Business Address. | 5.6.2025 Client provided XXX Business Directory dated XXX (Post Close dated) and reflecting business address however no business status and provided processor Cert. Condition remains for 3rd party VVOE with status of business. 5.9.2025 Client provided post close dated (XXX) with status of business: XXX. however is post close. Condition remains for prior to closing SOS. 5.9.2025 Client provided exception approval to allow for post close SOS dated XXX with file having prior to closing end of year XXX P/L and YTD XXX paystubs for w2 wages currently being received by Business. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX |
Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide documentation that borrower no longer owns XXX #XXX | 5.6.2025 Client provided LOX regarding borrower departure home XXX #XXX however initial condition is regarding XXX #XXX as reflected on Fraud report borrower having some ownership in this XXX #XXX as well. Condition remains to verify no longer have ownership with this property XXX #XXX5.9.2025 Client provided property profile detail for XXX #XXX and appears to own reflect as XXX. Condition remains to update 1003 adding to REO and any monthly payments and evidence/documentation of the monthly on this storage. 5.12.2025 Client provided LOX stating, HOA dues shows XXX is included in their HOA dues and Monthly fee of $XXX included in fee already included in DTI and provided copy of HOA statement reflecting XXX rental $XXX included in the HOA dues. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX |
Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Questionnaire | 4/23 Client provided the Condo Cert, a review shows the Condo has pending litigation, provide details of litigation for review 4.23.2025 Client provided HOA email stating pending litigation have been settled | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX |
Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing proof XXX payment of $XXX is full PITI payment as disclosed.2. Missing proof of tax expense for XXX to support $XXX used to qualify. Only evidence of hazard in file.3. Missing proof of tax/insurance expense to support expense $XXX used to qualify. | 3.21.2025 Client provided evidence of taxes and hoi for XXX property supporting $XXX; condition remains for other requested documentation: 1. Missing proof XXX payment of $XXX is full PITI payment as disclosed and 2. Missing proof of tax/insurance expense to support expense $XXX used to qualify. 3/24 Client provided supporting docs for XXX $XXX with no Ins, and mortgage statement supporting $XXX PITI for XXX, Provide additional supporting docs for $XXX to total $XXX used to qualify for XXX3.27.2025 Client provided LOX from Lender stating the $XXX amount is the mortgage payment as noted on the credit report. Mortgage statement previously provided stated PITIA payment is $XXX (including escrows) however payment made by borrower was $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Mortgage history reports XXX mos. 0x30. CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX years XXX months in same line of work. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. |
Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 03/21/2025 Client provided missing List of homeowners counseling organizations dated XXX | Condition satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Mortgage history reports XXX mos. 0x30. CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX years XXX months in same line of work. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. |
Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure or FACTS doc is missing in file | 03/27/25 Client provided a signed LOE from Lender stating they do not have any affiliate business arrangements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Mortgage history reports XXX mos. 0x30. CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX years XXX months in same line of work. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. |
Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX months consecutive statements from XXX to support liquid assets of $XXX used to qualify. | 3/24 Client provided XXX months statements | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Mortgage history reports XXX mos. 0x30. CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX years XXX months in same line of work. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. |
Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1. Missing proof XXX payment of $XXX is full PITI payment as disclosed.2. Missing proof of tax expense for XXX to support $XXX used to qualify. Only evidence of hazard in file.3. Missing proof of tax/insurance expense to support expense $XXX used to qualify. | 3.21.2025 Client provided evidence of taxes and hoi for XXX property supporting $XXX ; condition remains for other requested documentation: 1. Missing proof XXX payment of $XXX is full PITI payment as disclosed (XXX.) and 2. Missing proof of tax/insurance expense to support expense $XXX used to qualify (XXX). 3/24 Client provided supporting docs for XXX $XXX with no Ins, and mortgage statement supporting $XXX PITI for XXX, Provide additional supporting docs for $XXX to total $XXX used to qualify for XXX3.27.2025 Client provided LOX from Lender stating the $XXX amount is the mortgage payment as noted on the credit report. Mortgage statement previously provided stated PITIA payment is $XXX (including escrows) however payment made by borrower was $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Mortgage history reports XXX mos. 0x30. CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX years XXX months in same line of work. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. |
Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Lender XXX income calculation. | 3/24 Client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Mortgage history reports XXX mos. 0x30. CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX years XXX months in same line of work. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. |
Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Missing Fannie UCDP. | 3.21.2025 Client provided FNMA UCDP CU Score 1.0 | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Mortgage history reports XXX mos. 0x30. CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX years XXX months in same line of work. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. |
Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value. Missing Fannie UCDP or CDA. | 3.21.2025 Client provided UCDP FNMA CU Score 1.0 | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Mortgage history reports XXX mos. 0x30. CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX years XXX months in same line of work. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Representative credit score XXX above program requirement XXX. |
Client Complete |
| 409011959 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX as Title Lender's Title Insurance increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.04/17/25 UPDATE: The tolerance violation amount is $XXX. | 04/24/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years, CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
Client Complete |
| 409011972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI |
Client Complete |
| 409011972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide ATR/QM Determination | 4/8 Client provided a compliance ease report with determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI |
Client Complete |
| 409011977 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. | 4/10 Client provided an approved exception to allow the file with a CU score of 2.5 supporting the appraised value | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; LTV below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years, XXX months at current job. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX ; total reserves required $XXX. |
Client Complete |
| 409012023 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is 45 points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
Client Complete | |||||||||||||||
| 409012041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing hazard dwelling coverage | 5.14.2025 Client provided HOI Policy for subject with sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years |
Client Complete |
| 409012041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood cert | 5.12.2025 Client provided Flood Certification, flood zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years |
Client Complete |
| 409012050 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Legal Documents | Satisfied | B | A | B | A | CRDLGL2422 | Missing Purchase Contract | No | File is missing a copy of the fully executed purchase agreement. | 5.6.2025 Client provided executed Purchase Contract for subject supporting $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
Client Complete |
| 409012057 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
Client Complete | |||||||||||||||
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | B | D | A | D | B | D | B | C | B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Provide HOA for XXX 1003 shows $XXX/month Tax/Ins/HOA. Was able to verify $XXX/month taxes and $XXX/month HOI. Property is a Condo Missing XXX and XXX Personal and Business Tax Returns Missing XXX W2 for B1. XXX income will be calculated once received. Additional conditions may apply | 5.22.2025 Client provided XXX/XXX 1120S and 1040s supporting monthly income being used for B1 however considering YTD XXX P/L which is slightly lower income for DTI of XXX%; file have end of year XXX P/L and YTD XXX P/L; XXX/XXX w2's in file and compensation of officer reflected on 1120S and verified on 1040's and Transcripts. | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | B | D | A | D | B | D | B | C | B | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per disclosure tracking details in file, a revised CD XXX and CD XXX were issued and emailed to borrowers. Disclosures are missing in file. | 05/23/25 Client provided the XXX and XXX CD's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | B | D | A | D | B | D | B | C | B | D | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing QM Determination | 5.22.2025 Client provided Lender XXX w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | B | D | A | D | B | D | B | C | B | D | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Provide documentation that Tax Lien/Judgement for XXX filed XXX for $XXX is paid in full as required per Guidelines. Found on Fraud Report | 5.29.2025 Client provided exception approval for for missing documentation to support tax lien/judgment not being verified as paid dated Year XXX (XXX years) in amount of $XXX and borrower have sufficient funds to payoff, if applicable. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | B | D | A | D | B | D | B | C | B | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide HOA for XXX. 1003 shows $XXX/month Tax/Ins/HOA. Was able to verify $XXX/month taxes and $XXX/month HOI. Property is a Condo | 5.22.2025 Client provided HOA invoice supporting monthly $XXX appears to be for XXX. due to LOX provided from borrower stating no other property having any monthly HOA and using this amount totals to $XXX a month for this property | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | B | D | A | D | B | D | B | C | B | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX and XXX Personal and Business Tax Returns Missing XXX W2 for B1. XXX income will be calculated once received. Additional conditions may apply | 5.22.2025 Client provided XXX/XXX 1120S and 1040s (and signed dated) supporting monthly income being used for B1 however considering YTD XXX P/L which is slightly lower income for DTI of XXX%; file have end of year XXX P/L and YTD March XXX P/L; XXX/XXX w2's in file and compensation of officer reflected on 1120S and verified on 1040's and Transcripts. Lender Cash Flow analysis in file and Schedule E properties listed on REO of 1003 and no rental income used. | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | B | D | A | D | B | D | B | C | B | D | A | Property Valuations | Property | Waived | C | B | C | B | PRVAPROP177 | Property Issues Indicated | No | Subject is a unique property which is not allowed per Guidelines. | 5.28.2025 Client provided exception approval for unique property | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, DTI XXX%, verified reserves of XXX months, fico score XXX and over XXX years at current address and at XXX | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
Client Complete |
| 409012082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | 4/8/25 WVOE for B1, page 1571 combined file, does not meet requirements for 3rd party XXX VOE. Provide the following for 1120, may be subject to additional conditions upon review. 'Verification of the existence of borrowers XXX must be verified through a third-party source and no more than XXX calendar days prior to the Note date Third party verification can be from a CPA, regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source Listing and address of the borrowers business Name and title of person completing the verification and date of verification.' | 4.25.2025 Client provided post close dated 4.22.2025 SOS for B1 XXX employment: XXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been self-employed with current business since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXXis XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required, or XXX months PITI ($XXX) for the subject property plus XXX months PITIA ($XXX) for an additional financed property owned. |
Client Complete |
| 409012082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the Fannie Mae 1084, or Freddie Mac Form 91 or equivalent for B1 self-employment analysis. | 4/23 Client provided the 1084 | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been self-employed with current business since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXXis XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required, or XXX months PITI ($XXX) for the subject property plus XXX months PITIA ($XXX) for an additional financed property owned. |
Client Complete |
| 409012082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide updated DU findings due to > XXX% DTI differential due to differing income calcs for B1. May be subject to additional conditions upon review. | 4/23 Client provided the updated DU | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been self-employed with current business since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXXis XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required, or XXX months PITI ($XXX) for the subject property plus XXX months PITIA ($XXX) for an additional financed property owned. |
Client Complete |
| 409012084 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying score XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
Client Complete | |||||||||||||||
| 409012085 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete | |||||||||||||||
| 409012087 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
Client Complete | |||||||||||||||
| 409012106 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide missing XXX XXX # XXX asset statement. Subject to asset recalc an my be subject to additional conditions upon review. | 4/23 Client provided an EMail, on review the XXX statement covers XXX months from XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS2854: Significant time in profession - xxx Comments: XXX years same profession |
Client Complete |
| 409012197 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Mortgage late HELOC 1x30 in past XXX months | 4/10 Client provided an approved exception to allow the file with a 1x30 mortgage pmt history | xxx final grade is B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co Borrower at current employment XXX years CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete |
| 409012207 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
Client Complete | |||||||||||||||
| 409012209 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409012209 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide third party VOE for B1 prior XXX 1120s from XXX - XXX to complete required XXX year employment history. Processor cert, page 658 combined file states: 'confirmed with the XXX that above business is active. See attached business search.' Business search is not attached; please provide. May be subject to additional conditions upon review. | 5.16.2025 Client provided copy of SOS business search for prior XXX verifying currently active and started as of XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409012209 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC150 | Income docs do not meet guidelines | No | INCOME: USING CURRENT BASE, VERIFIED WITH EMPLOYMENTCONTRACT AND PAYSTUB. YTD SUPPORTS. BORROWER WAS PREVIOUSLY XXXINCOME FROM PREVIOUS BUSINESS IS INLINE WITH INCOME THAT WILL BE EARNED FROM XXX VIA BASE AND BONUS, SO HISTORY SUPPORTS NEW WAGES WHICH ISCONSIDERED A MORE STABLE INCOME SOURCE. EMPLOYMENT CONTRACT SHOWS SIGN ON BONUS OF $XXX AND CONFIRMS WILL BEISSUED IN INSTALLMENTS THROUGHOUT THE YEAR, WHICH EXPLAINS WHY PARTIAL PAYMENT SHOWN ON PAYSTUB .SHOWS SECOND YEARBONUS WILL BE $XXX . STATES BORROWER WILL BE GRANTED RSU INCOME WHICH WILL VEST OVER XXX YRS . RSU NOT ELIGIBLE, SOUSED CALCULATION PER XXX EMPLOYEE SIGN-ON BONUS VARIANCE FOR XXX:$XXX+$XXX=$XXX/XXX=$XXX/MONTH. EXCEPTION DUE TO USE OF THE BONUS INCOME TOQUALIFY. SINCE THE BORROWER DOES NOT HAVE A XXX YEAR HISTORY OF RECEIVING RSU INCOME, EXCEPTION REQUIRED TO ALLOWUSE OF XXX EMPLOYEE SIGN-ON BONUS VARIANCE. | 5/15/25 XXX comments - approved Client exception in yet applied due to open conditions 5.16.2025 Client provided exception approval to allow use of the bonus income to qualify since the borrower does not have a XXX year history of receiving RSU income. Exception approval to allow use of XXX Employee sign-on Bonus variance. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, fico score XXX and over XXX years at current residence and reserves verified of XXX months | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409012242 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | The file does not contain a copy of the required Affiliate Business Disclosure. | 04/24/2025 Client provided a signed letter of no Affiliates. Saved to List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409012242 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409012244 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: Maximum DTI allowed is XXX%. Loan DTI is XXX%. |
Client Complete | |||||||||||||||
| 409012267 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing final CD acknowledged by borrowers at closing XXX | 04/25/2025 Client provided LOE stating: The referenced Loan is a Hybrid. The Final CD was signed electronically on XXX. therefore, the CD included in the closing package is the Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX+ REO $XXX * XXX = $XXX/mo. |
Client Complete |
| 409012267 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Discount Points on initial CD XXX. COC found in file dated XXX indicating a rate lock however a corresponding LE is missing in file. Per tracking, a revised LE XXX and LE XXX were issued and received by borrowers but are missing in file. Provide all disclosures for further testing. Additional conditions may apply. | 04/25/2025 Client provided missing LE's XXX and XXX. Retesting results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX+ REO $XXX * XXX = $XXX/mo. |
Client Complete |
| 409012275 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide LOE from Borrower regarding the decline in bonus income | 4.23.2025 Client provided updated 1008 and DU AUS with updated DTI of XXX% removing bonus income | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
Client Complete |
| 409012275 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide credit supplement that XXX is closed. Shows open on credit report. LOE from Borrower states it is closed, however need documentation it is closed | 4/28 Client provided evidence that XXX is closed | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
Client Complete |
| 409012300 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Documentation | Satisfied | B | A | B | A | CMPDOC3268 | Note in file is incomplete | No | Top of Page 2 of the Note is cut-off. Provide complete copy of Note. | 05/30/25 Client provided the complete legible Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years, XXX months at current job. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX % DTI; XXX% max allowed. |
Client Complete |
| 409012306 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS2860: Good credit history - xxx Comments: Borrower Has Good credit history with XXX Late Payments > XXX Months |
Client Complete | |||||||||||||||
| 409012310 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DTI XXX%. (over XXX% pricing) Lender used $XXX/month Commissions for B1. Review used $XXX/month. Used YTD $XXX = XXX $XXX/XXX. Did not use "other" income as it has a significant decline from XXX to XXX and $XXX for YTD XXX | 6.9.2025 Client provided end of year XXX/XXX paystub to support other income on Written VOE is all tied to Commission income vs being true other income, updated commission income being used is an average of XXX/XXX for an updated DTI of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI |
Client Complete |
| 409012316 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXXYears in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete | |||||||||||||||
| 409012347 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to Tax Service fee increased on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund. | 05/14/25 Client provided an Email from Lender with LOS screen shot of the XXX request to remove escrows. Condition remains. Reason is not a valid change for increasing the Tax Service Fee. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery.05/15/25 Client provided an Email LOE from the Lender with a screen shot of the Fees that can change with the Escrow Waiver. Reviewed and accepted by internal Compliance counsel. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
Client Complete |
| 409012347 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing QM Determination | 5.12.2025 Client provided LOX stating, XXX accepts xxx QM SH APOR determination. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
Client Complete |
| 409012347 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide copy of 3rd party printout for XXX | 5.12.2025 Client provided SOS dated XXX for business: XXX | condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX |
Client Complete |
| 409012427 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete | |||||||||||||||
| 409012467 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | Missing a copy of fully executed Mortgage with, if applicable, all Riders. | 05/09/25 Client provided the missing Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Fico score XXXX exceeds guide lines. CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXXX% CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXXX years. |
Client Complete |
| 409012467 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | XXXX Home Equity | Satisfied | C | A | C | A | CMPTXHE324 | XXXX Equity - Security Instrument is not a Fannie/Freddie standard form | No | Condition triggered due to missing a copy of Mortgage in file. | 05/09/25 Client provided the missing Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Fico score XXXX exceeds guide lines. CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXXX% CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXXX years. |
Client Complete |
| 409012467 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | XXXX Home Equity | Satisfied | C | B | C | B | CMPTXHE119 | XXXX Equity - Affidavit of Fair Market Value not signed by lender | No | XXX Equity - Affidavit of Fair Market Value not signed by lender | 05/09/25 Client provided a copy of the XXX Affidavit signed by the Lender. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Fico score XXXX exceeds guide lines. CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXXX% CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXXX years. |
Client Complete |
| 409012468 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
Client Complete | |||||||||||||||
| 409012473 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing For RSU calculation: A XXXXX) year average of prior income received from RSUs or stock options should be used to calculate the income, with the continuance based on the vesting schedule using a stock price based on the lower of the current stock price or the XXX-week average for the most recent XXX(XXX) months reporting at the time of application. The income used for qualifying must be supported by future vesting based on the stock price used for qualifying and vesting schedule. | 5/29 Client provided a vesting schedule WS and the Current stock price; Missing the XXX week avg with source doc and missing the income calculation WS 6.2.2025 Client appears to be providing duplicate (in file) end of year XXX paystub and YTD XXX paystub and income worksheet (don't include the calculation of RSU continuance), we are still missing per initial condition and prior update: (1). Missing lender RSU calculation of continuance RSU income using lower of the current stock price or the XXX-week average for the most recent XXX(XXX) months reporting at time of application and (2). provide the current stock price and the XXX-week average (for the most XXX months reporting at the time of application) used for continuance calculation (the lower of the two will be used for calculation) and (3). vesting Schedule supporting continuance for calculation Note: Lender states: the borrower's XXX vesting statement will not be released until late XXX/early XXX (subject Note date XXX) 6/4 Client provided stock price and XXX Week avg stock price and the RSU continuance calculation using the lower XXX W avg stock price and XXX months vesting; On review Condition remains for the XXX vesting schedule supporting continuance calculation6.13.2025 Client provided copy of Borrower RSU Award Vesting Schedule for XXX with calculation supporting continuance of RSU income that was used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years |
Client Complete |
| 409012478 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409012499 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 4/17 Client provided an approved exception to allow the file with a CU score of 1.7 supporting the appraisal | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; DTI below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete |
| 409012515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing PITI verification and mortgage history for rental property at XXX. | 5/5 Client provided the TI and evidence free and clear | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: XXX qualifying score; XXX required. |
Client Complete |
| 409012515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 05/05/25 Client provided a duplicate copy of the Service Provider List. Condition remains. Provide the missing Homeowners Counseling Organizations List.05/07/25 Client provided the missing HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: XXX qualifying score; XXX required. |
Client Complete |
| 409012515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 05/05/25 Client provided a signed LOE stating they have no affiliate business relationships. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: XXX qualifying score; XXX required. |
Client Complete |
| 409012515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing mortgage history for rental property at XXX. Application indicates the property is owned free and clear, but no documentation to support this. REO report on fraud report shows a $XXX loan. | 5/5 Client provided Dec page showing no mortgage on the insurance | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: XXX qualifying score; XXX required. |
Client Complete |
| 409012515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing PITI verification and mortgage history for rental property at XXX. | 5/5 Client provided taxes and insurance and evidence no mortgage on the INs binder | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: XXX qualifying score; XXX required. |
Client Complete |
| 409012554 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX |
Client Complete | |||||||||||||||
| 409012576 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD. | 05/13/25 Client provided a signed LOE from Lender stating the CD issued XXX was a working CD and not provided to the borrower. Supported by the Disclosure Tracking in file showing the XXX CD was the Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete |
| 409012577 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
Client Complete | |||||||||||||||
| 409012578 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete | |||||||||||||||
| 409012604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409012604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX as Recording Fees increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/02/25 Client provided a copy of the XXX CD and a missing XXX COC. Condition remains. The COC does not provide a valid Reason/Explanation for the Recording Fee increase. Provide further explanation with supporting documentation for review. Additional conditions may apply, including refund to borrower.05/06/25 Client provided an LOE from Lender with a screen shot of a XXX Prelim CD (Section E). LOE states they received the closing agents fees on XXX which contained a charge for a Correction Agreement to be recorded in the amount of $XXX. This is not a customary fee they charge so they added a COC for this fee the date they were made aware of it. Condition remains. Receiving fees from the closing agent is not a valid Change in Circumstance Reason. Provide supporting documentation, from the time of the change, that reflects what Change occurred that resulted in the added charge. Additional conditions may apply.05/08/25 Client provided an LOE to borrower, XXX PCCD with cure and $XXX refund check. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409012608 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 at current employment XXX years |
Client Complete | |||||||||||||||
| 409012734 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409012734 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in the amount of $XXX as Recording Fees were added to LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/03/25 Client provided a duplicate copy of the XXX COC stating the first LE was missing the transfer taxes and this resulted in a cure of those fees. Condition remains. The cure at closing covered all of the transfer taxes, however the revised XXX LE also reflected the added Recording fee that was not present on the Initial LE. There was no valid COC for this addition. Borrower is due an additional refund of $XXX, PCCD with increased cure, LOE to borrower and proof of delivery that includes tracking.06/09/25 Client provided a XXX PCCD increasing the cure amount, LOE to borrower and proof of shipment. Condition remains for a copy of the $XXX refund check.06/12/25 Client provided the $XXX refund check. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409012737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing Secretary of State printouts from XXX and XXX | 5.7.2025 Client provided SOS for XXX requested employment businesses however not dated. Condition remains 5.15.2025 Client provided post close dated 5.15.2025 for 3 requested employment businesses however XXX says effective XXX and this is where the majority of income is coming from. Further clarification is needed, did business name change? currently says effective date XXX and Note: Year XXX income was not used, XXX is under extension and Final 1003 says XXX start date XXX; provide the SOS (w/XXX) verifying start date XXX per Final 1003 5/15 Client provided a SOS search showing XXX effective as of XXX | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXXGuidelines require XXX months or $ XXX X XXX = $ XXX |
Client Complete |
| 409012737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX Most Recent 1040 Tax Returns & Transcripts or XXX extension | 5.7.2025 Client provided Lender LOX stating XXX personal has not been filed yet, Deadline this year is XXX due to Hurricane XXX, condition remains to provide documentation (for loan file) to support new deadline due to Hurricane. 5.15.2025 Client provided IRS announcement regarding extension of XXX 1040 deadline, postpone to XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXXGuidelines require XXX months or $ XXX X XXX = $ XXX |
Client Complete |
| 409012748 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1750: High potential for increased earnings - xxx Comments: XXX% DTI; max XXX%. |
Client Complete | |||||||||||||||
| 409012778 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets: Borrowers have Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX in reserves. Required: XXX months XXX , not met. Provide additional asset statements, meeting guidelines, supporting borrowers had required reserves | 5/23 Client provided an Email that total verified assets are $XXX ; Upon review as XXX the balance is XXX 401K is $XXX after stock sale; per 1003 balance was $XXX after stock sales; Condition remains 5/29 Client provided an Email; upon review the 4/27 stock sales statement supports the only XXX from the account was $XXX as of XXX leaving a balance of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline requirement of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: 807 Median FICO >XXX points above guideline program minimum of XXX. CFCFS5269: Minimal use of credit - xxx Comments: Borrowers are conservative credit users; minimal outstanding debt. |
Client Complete |
| 409012791 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Documentation | Waived | B | B | B | B | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | Per HUD $XXX was held in escrow for Sod, Fence, Screens, & Irrigation; Provide evidence of release and certificate of completion. Must be completed no later than XXX. XXX responsible for sending 1004D with items completed and documentation to show escrow funds released. | 5/15/25 XXX: Approved Client exception not yet applied due to items above not yet met5.19.2025 Client provided exception approval to allow Escrow Holdback work not yet being completed | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years XXX months at current job CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXXX months PITIA and required is XXX months plus XXX months for 1 REO |
Client Complete |
| 409012805 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Tax Service Fee increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/05/25 Client provided an Email LOE stating after the Initial LE the loan officer modified the loan into escrow waiver and disclosed the increased tax service fee. A screenshot of the 3/31 Escrow Waiver change description was also provided. Condition remains. Provide documentation to support the tax service fee relates to the escrow waiver, as the COC in file only reflects the Rate Lock.06/09/25 Client provided another Email with a screenshot of a partial fee matrix. Condition remains. The Email states the attached fee matrix shows what can change when a borrower moves into or out of escrow, however the screenshot is cut off. Provide the full screenshot that reflects the fee change for the escrow waiver.06/11/25 Client provided a full screenshot showing the Empower Fee change that includes the Tax Service Fee for Escrow Waivers. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower 2 has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: ASSETSPost Close Assets are $XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409012814 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Application | Satisfied | B | A | B | A | CRDAPP1813 | Undisclosed non-arm's length transaction | No | Page one of appraisal states: 'Non-arms length sale'. Provide Borrower LOE stating relationship for NAL. Subject to full review and may be subject to additional conditions. | 5.29.2025 Client provided borrower LOX email stating do not know anyone in the transaction. Response, the initial condition is per the appraiser statement on pg. 1 of appraisal stating this is Non-arms length sale, with LOX from borrower no relationship unknown appraiser data stating as non-arms length sale. Condition remains for appraiser comment on stating non-arms length sale. 5.30.2025 Client provided updated appraisal reflecting as Arms length transaction | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409012815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge understated by $XXX due to Title Attorney fee not being included into calculation. Condition is pending receiving a copy of refund, LOE to borrower, PCD, re-open rescission to all title holders with dates allowing for method of delivery and proof of shipping with tracking. | 05/20/25 Client provided 2 copies of a corrected XXX PCCD, $XXX refund check, LOE to Borrower and proof of delivery (date of delivery is XXX). Condition remains. Provide the missing ROR forms reflecting the reopened rescission period.05/23/25 Client provided the fully executed ROR's, signed XXX with Expiration extended to midnight of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves in required. |
Client Complete |
| 409012815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | Finance charge understated by $XXX due to Title Attorney fee not being included into calculation. Condition is pending receiving a copy of refund, LOE to borrower, PCD, re-open rescission with dates allowing for method of delivery and proof of shipping with tracking. | 05/20/25 Client provided 2 copies of a corrected XXX PCCD, $XXX refund check, LOE to Borrower and proof of delivery (date of delivery is XXX). Condition remains. Provide the missing ROR forms reflecting the reopened rescission period.05/23/25 Client provided the fully executed ROR's, signed XXX with Expiration extended to midnight of XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves in required. |
Client Complete |
| 409012815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | DTI | Satisfied | B | A | B | A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | XXX% DTI (over XXX%) due to using $XXX/month for XXX and $XXX/month for XXX. | Client asked for clarification, This DTI condition is informational only Client 1008 DTI is XXX% and our DTI is XXX%; difference is due to using $XXX a month for property XXX and using $XXX a month for property XXX. It appears the full PITIA of $XXX (on REO) for both properties, the full PITIA of $XXX was not being used in Lender DTI; provide PITIA documentation to support the PITIA payment on both properties being used by Lender. 5/6 Client provided supporting docs for PITI XXX $XXX; Data entry corrected from $XXX DTI XXX. | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves in required. |
Client Complete |
| 409012815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard insurance dwelling coverage of $XXX is insufficient. A replacement cost estimate from the insurance provider is required. | 5/6 Client provided the insurance Co RCE of $XXX showing sufficient coverage | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves in required. |
Client Complete |
| 409012837 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete | |||||||||||||||
| 409012840 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
Client Complete |
| 409012840 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculations for both borrowers. | 6/6 Client provided income Ws | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
Client Complete |
| 409012843 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete | |||||||||||||||
| 409012854 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is 87 points above the minimum required score of XXX. |
Client Complete | |||||||||||||||
| 409012875 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing income documentation for wage earner employment and XXX | (No Data) | Satisfied | (No Data) | Not Applicable | (No Data) | Client Complete |
| 409012875 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing Verbal verification of employment for XXX. | 5/22 Client provided the VOE | Satisfied | (No Data) | Not Applicable | (No Data) | Client Complete |
| 409012875 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation | No | Missing VOI or year-to-date pay stub and XXX-year W2s for XXX. Also, missing XXX-year personal, business tax returns and XXX year tax transcripts for XXX. | 5/22 Client provided taxes W2s and transcripts supporting qualifying income | Satisfied | (No Data) | Not Applicable | (No Data) | Client Complete |
| 409012875 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing Collateral Desktop Analysis (CDA) ordered from XXX or Collateral Underwriter (CU) score of 2.5 or less supporting the appraised value of $XXX. | 5/22 Client provided a CU score or 1.0 supporting the appraised value | Satisfied | (No Data) | Not Applicable | (No Data) | Client Complete |
| 409012902 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete | |||||||||||||||
| 409012967 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409012970 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per disclosure tracking in file, two LEs were emailed ( and received by borrower ) on XXX - initial and revised. Only one LE dated XXX is in file. Provide missing LE. | 05/19/25 Client provided the missing Initial XXX LE. Revised LE in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409012970 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD dated XXX found in file and tested as initial CD. Missing borrower's acknowledgment of receipt min XXX days prior to closing date. | 05/19/25 Client provided a signed LOE from Lender stating the XXX CD was pulled to balance with title company and was never provided to the borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409012988 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in the amount of $XXX as Discount Points for $XXX added and Lender Credits decreased by $XXX on LE X; Trust XX Review Fee of $XXX was added to CD XXX all without a Change of Circumstances in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/29/25 Client provided the complete XXX LE package including the Rate Lock and COC validating the Points/Credit changes. Remaining $XXX violation was cured at Closing via Lender Credit. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been XXX with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | File is missing final, signed 1003s for both borrowers with updated/completed citizenship status, employment status, income, assets, REO, etc. | 5/29 Client provided signed 1003s | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been XXX with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits | No | File is missing documentation verifying wire deposit of $XXX on XXX into XXX account *XXX was from the borrowers' XXX annuity accounts *XXX and *XXX. | 5/29 Client provided funds to close | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been XXX with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | 1) File is missing a Verbal Verification of Employment (VVOE) performed no more than XXX(XXX) business days prior to the Note date for B1.2) File is missing verification of the existence of co-borrowers self-employment verified through a third-party source and no more than 120 calendar days prior to the Note date for B2. | 5/29 Client provided a XXX PC dated VOE for B1 meeting GL requirements; still missing XXX VOE for B25/30 Client provided the XXX VOE PC dated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been XXX with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Primary borrower is employed by XXX . File is missing XXX/XXX IRS tax transcripts. | 5/29 Client provided the transcripts | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been XXX with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the Fannie Mae 1084, or Freddie Mac Form 91 or equivalent for co-borrower's XXX analysis. | 5.19.2025 Client provided LOX stating uploaded Cash Flow Income Analysis from file, however did not receive. Please re-send. 5.19.2025 Client provided Lender Cash Flow Income Analysis worksheet for XXX B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been XXX with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
Client Complete |
| 409013023 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete | |||||||||||||||
| 409013033 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has stable employment with XXX years at current job. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Fico score XXX exceeds guide lines. |
Client Complete | |||||||||||||||
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing 1065, K1's and updated VOE information | 5.29.2025 Client provided XXX1120S along with both borrowers k1's and appears in year XXX business was 1065 and in year XXX business is 1120S and provided Lender Cash Flow Income Analysis for both borrowers, condition remains, 1120S XXX was provided however not signed dated and missing VVOE 6.11.2025 Client provided pg1 1120-S XXX signed and post close dated and previously provided VVOE documentation however 1120S was signed by XXX% owner XXX condition remains for 1120S XXX signed by owner (XXX %) XXX. 6.13.2025 Client provided signed dated pg. 1 of 1120S XXX by owner (XXX% owner) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 > XXX months |
Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing list of homeowners counseling organizations | 05/28/25 Client provided the HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 > XXX months |
Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 05/28/25 Client provided an LOE from the AVP of Closing stating they do not have any affiliate business arrangements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 > XXX months |
Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | 1. Page 454 combined file - Borrower Website Printout, business ph # XXX2. Page 461 combined file - XXX search printout, business ph # XXX and XXX3. Final 1003 Page 752 & 754, business ph # XXXProvide sufficient documentation to support which phone #(s) are accurate / to reconcile discrepancies. May be subject to additional conditions upon review | 6.3.2025 Client provided Borrower lox email regarding phone numbers with XXX and provided breakdown listing of several numbers used for the business however all numbers are tied to one main line. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 > XXX months |
Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide missing XXX 1065, signed / dated, and K1's for both Borrowers. Subject to full income calc - and may be subject to additional conditions upon review | 5.29.2025 Client provided XXX 1120S along with both borrowers k1's and appears in year XXX business was 1065 and in year XXX business is 1120S and provided Lender Cash Flow Income Analysis for both borrowers, condition remains, 1120S XXX was provided however not signed dated. 5.29.2025 Client provided duplicate, previously provided copy of 1120S XXX business returns however not signed/dated. Condition remains for signed/dated 1120S XXX (previously requested) 5.29.2025 Client provided signed dated 1040 XXX/XXX and 1065 XXX however still missing signed/dated 1120S for Year XXX.6.11.2025 Client provided pg1 1120-S XXX signed and post close dated by XXX however XXX only having XXX% ownership, condition remains for signed dated 1120S XXX by XXX (XXX% owner) 6.13.2025 Client provided signed dated 1120S XXX by XXX% owner | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 > XXX months |
Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide missing XXX 1065, signed / dated, and K1's for both Borrowers. Subject to full income calc - and may be subject to additional conditions upon review | 5.29.2025 Client provided XXX 1120S along with both borrowers k1's and appears in year XXX business was 1065 and in year XXX business is 1120S and provided Lender Cash Flow Income Analysis for both borrowers, this condition is being satisfied however missing signed dated 1120S XXX, separate condition on file for the signatures. Income used by Lender is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 > XXX months |
Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Per guidelines, provide below: Income calculations should be based on the Fannie Mae Form 1084 or Freddie Mac Form 91 or equivalent income calculation form | 5/28 Client provided the 1084 income WS for each Borrower | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 > XXX months |
Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust documents/certification of trust | 5/28 Client provided the executed Trust Docs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 > XXX months |
Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Provide Missing updated valuation Value not yet supported May be subject to additional conditions upon review | 5.29.2025 Client provided UW collateral review worksheet however what is missing is the 3rd party CDA valuation supporting appraised value. 6.11.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 > XXX months |
Client Complete |
| 409013043 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with the same employer for XXX years |
Client Complete |
| 409013058 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Assets | Satisfied | B | A | B | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 2nd consecutive statement for all assets XXX XXX XXX, XXX XXX XXX, and XXX XXX XXX | 6/12 Client provided a 2nd consecutive statement for each account | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% |
Client Complete |
| 409013061 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for Self-Employed ($ XXX X XXX = $ XXX) |
Client Complete |
| 409013061 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Title Survey fee was added without a valid COC in file to support it and fee is not listed in Service Provider's List. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/30/2025 Client provided PCCD XXX with cure, copy of cure check, COC/LOE and In transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for Self-Employed ($ XXX X XXX = $ XXX) |
Client Complete |
| 409013061 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing HUD from sale of REO * XXX to reflect Net Proceeds of $ XXX as reflected on the 1003 | 6/6 Client provided the HUD from sale of REO with sufficient proceeds | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for Self-Employed ($ XXX X XXX = $ XXX) |
Client Complete |
| 409013068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score exceeds XXX min CFCFS1736: Significant time at current residence - xxx Comments: XXX years at current home |
Client Complete | |||||||||||||||
| 409013076 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increased Discount Points on initial CD XXX (missing Rate Lock confirmation with updated Interest Rate) and further increase on final CD XXX with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/28/25 Client provided a XXX COC and XXX COC. The XXX COC validates the Points addition on the XXX CD due to the Rate decrease, however the XXX COC for the Points increase indicates the Reason was for a Lock Extension. Per the LE and initial Lock Agreement in file, the Lock did not expire until XXX and the loan Disbursed on XXX. Provide supporting documentation that the Lock was set to expire prior to Disbursement.XXX Client provided an LOE from Lender with screen shots from the Lock Desk showing the pricing adjustment on XXX due to the DTI, not an extension. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months |
Client Complete |
| 409013079 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: B3 has XXX years in bus CFCFS1736: Significant time at current residence - xxx Comments: XXX years and XXX years at current homes CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and required is XXX months + XXX months for XXX financed REOs |
Client Complete |
| 409013079 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance of $XXX due to Notary fees, and Title Endorsement fees increased on XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/04/25 Client provided a XXX PCCD with $XXX principal reduction cure, LOE to borrower and payment history reflecting the PR deposit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: B3 has XXX years in bus CFCFS1736: Significant time at current residence - xxx Comments: XXX years and XXX years at current homes CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and required is XXX months + XXX months for XXX financed REOs |
Client Complete |
| 409013079 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing 1084 form for XXX | 5.22.2025 Client provided Lender Cash Flow Income Analysis | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: B3 has XXX years in bus CFCFS1736: Significant time at current residence - xxx Comments: XXX years and XXX years at current homes CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and required is XXX months + XXX months for XXX financed REOs |
Client Complete |
| 409013080 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of VOEs | 6/6 Client provided the VOEs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409013080 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409013080 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | B1:K1 XXX%: XXXK1 XXX%: XXXProvide VOES for above meeting wage earner guidelines, as < XXX% K1.May be subject to additional conditions upon review. | 6/6 Client provided the VVOE for XXX; still missing the VVOE for XXX6/6 Client provided the VVOE for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409013082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective profession for XXX and XXX years. |
Client Complete |
| 409013082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | B2 2nd job employment income, missing VVOE for 2nd job, B2 have XXX% ownership with this employment w/XXX Possibly works for B1 XXX | 5.19.2025 Client provided post close VVOE for B2 (2nd job w/XXXClient provided exception approval for post close VVOE for B2 2nd job, file not having a prior to closing VVOE however CPA letter in file verifying the business active and states both borrowers name on CPA Letter and most recent paystub in file dated XXX and Note date XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective profession for XXX and XXX years. |
Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | COC dated XXX found in file indicating pricing change. Missing a revised LE confirming rate lock with increased lender's credit. | 05/28/25 Client provided the missing XXX LE and Lock. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final CD does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Discount Points $XXX and decreased Lender's credit of $XXX on final CD XXX. COC dated X doesn't XXinclude a valid reason for this change and no updated rate lock found in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 05/28/25 Client provided a missing XXX LE and Lock, with the updated XXX Lock and LOE for the Points/Credit change on the Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing HOA for XXX, XXX, XXX, and XXX , and missing if applicable mortgage statement for XXX, rental income to be completed | 5/23 Client provided HOA for XXX, XXX, XXX and XXX with Mtg stmt for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing XXX income for B1 $XXX | 5/23 Client provided the award letter | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing Disability income for B2 $XXX, additional condition may apply | 5/23 Client provided evidence of deposits of disability pension fr XXX$XXX with XXX months statements | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409013085 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
Client Complete |
| 409013086 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final CD does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409013089 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $XXX due to Points increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 06/03/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXX XXX: $XXX x XXX = $XXX |
Client Complete |
| 409013099 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | File is missing page xxx of Final CD xxx. Fees were tested from a revised CD xxx. Provide complete copy of CD xxx for further testing. | 05/21/25 Client provided all pages to the Final xxx CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: XXXX years at current home CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXX score exceeds XXXX min |
Client Complete |
| 409013099 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $xxx as Appraisal Fee increased on LE xxx without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/27/25 Client provided a xxx PCCD with cure, $xxx refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: XXXX years at current home CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXX score exceeds XXXX min |
Client Complete |
| 409013099 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Client indicated accounts on F 1003 with xxx #xxx and xxx and xxx; Provide xxx months asset statements for each | 5/19 Client provided the asset statements | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: XXXX years at current home CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXX score exceeds XXXX min |
Client Complete |
| 409013099 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide an xxx cash flow analysis of the xxx month xxx used for qualifying showing no negative impact to the xxx | 5/20 Client provided a cash flow analysis; however it is not dated and missing the preparer information; condition remains5.21.2025 Client provided duplicate of the prior document but is dated and reflect xxx xxx however this don't reflect support as a Cash Flow Asset Analysis covering xxx months of xxx this lender LOX is a combination of assets used, cash flow analysis to cover only xxx xxx months asset account being used: xxx and to show having no negative impact to xxx. Condition remains 5/22 Client provided the cash flow analysis | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: XXXX years at current home CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXX score exceeds XXXX min |
Client Complete |
| 409013116 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Appraisal Reinspection Fee was added to LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/09/25 Client provided a missing XXX COC and Revised XXX LE validating the Reinspection Fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS2854: Significant time in profession - xxx Comments: B1 : XXX years B2 : XXX years |
Client Complete |
| 409013142 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, a Loan Estimate was issued on XXX which is missing from the file. LE is required for further testing, additional conditions may apply. | 06/10/25 Client provided the XXX COC and XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is 80 points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
Client Complete |
| 409013158 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. |
Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income documents | 6/1 Client provided the income docs | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. |
Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Final CD is missing. | 06/02/25 Client provided the signed, Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. |
Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & E are not disclosed on Initial CD XXX; Seller's CD in file & able to test w/ Initial CD; Condition pending receipt of missing Final CD. | 06/02/25 Client provided the missing, signed Final CD that reflects all Seller closing costs. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. |
Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination | 6/1 Client provided the XXX with determination | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. |
Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing complete with all schedules XXX/XXX 1040s and 1120S tax returns supporting net qualifying income of $XXX monthly. | 6/1 Client provided XXX/XXX 1120s 1040s and transcripts | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. |
Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide missing 1120s and 1040 returns as required per guidelines. Subject to full income calc and may be subject to additional conditions upon review. | 6/1 Client provided 2023/2024 1120s 1040s and transcripts | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. |
Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing Profit & Loss statement from XXX-XXX for XXX prepared / signed by CPA or Borrower. | 6/1 Client provided the P&L | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. |
Client Complete |
| 409013180 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409013193 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrowers have been XXX with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves. $XXX in reserves required. |
Client Complete |
| 409013193 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | File is missing XXX and YTD P&L statements for borrowers' secondary business listed in the final 1003. | 5/29 Client provided The YTD and XXXP&Ls supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrowers have been XXX with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves. $XXX in reserves required. |
Client Complete |
| 409013193 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the Fannie Mae 1084, or Freddie Mac Form 91 or equivalent for self-employment analysis for both borrowers. | 5/30 Client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrowers have been XXX with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves. $XXX in reserves required. |
Client Complete |
| 409013194 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC806 | Notary Status is missing | No | Mortgage is missing Notary status. Provide copy of notarized mortgage. | 05/29/25 Client provided the fully executed Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. |
Client Complete |
| 409013194 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC869 | Mortgage not signed | No | Mortgage is missing borrower signatures. Provide copy of signed mortgage. | 05/29/25 Client provided the fully executed Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. |
Client Complete |
| 409013211 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
Client Complete |
| 409013211 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide signed XXX 1065 | 5.29.2025 Client provided 1065 XXX signed dated | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
Client Complete |
| 409013216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete | |||||||||||||||
| 409013270 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing an additional $XXX in borrower funds for reserves to meet XXX AUS program XXX mo. of subject PITI and XXX mo. of REO PITI requirement on a cash out w/ loan amt >XXX | 5/29 Client provided an approved exception to allow the file with $XXX verified reserves | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409013270 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing evidence of both borrowers' business existences verified through a third-party source no more than XXX calendar days prior to note date XXX as outlined in XXX AUS program guidelines. VOE provided reflects XXX.gov was the source however evidence was not provided. | 5.6.2025 Client provided SOS dated XXX and XXX for both businesses: XXX and XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409013270 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | XXX% LTV exceeds max XXX% due to loan amount of $XXX exceeding the C/O max of $XXX. | 5/29 Client provided an approved exception to allow the file with a XXX LTV | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409013270 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | $XXX loan amount exceeds maximum of $XXX for C/O for XXX AUS program. | 5/29 Client provided an approved exception to allow the file with a loan amount of $XXX | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409013278 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
Client Complete |
| 409013278 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to added Survey fee $XXX on initial CD XXX to C. section with no valid COC in file. Survey provider is not listed on SPL as a shoppable service and is tested together with Recording fee for XXX% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 05/28/25 Client provided an Email response from the Seller stating: The survey fee is in the 1300 section (other), there is no tolerance which means a COC wasn't required. Also, please note this isn't a fee that was charged by title, it was paid to a 3rd party, XXX. This is a service the borrower could shop for. Condition remains. The fee was not disclosed on the LE as a shoppable fee and there was no provider listed for this service on the SPL. If the Survey was not required by Title, please provide a detailed LOE and corrected PCCD placing the Survey Fee in Section H, not Section C.05/30/25 Client provided an LOE and PCCD correcting the placement of the Survey Fee to Section H. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
Client Complete |
| 409013280 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, the file is missing Initial CD XXX and Revised CD XXX | 06/03/25 Client provided the missing, Initial and Revised XXX CD's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XX |
Client Complete |
| 409013280 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 06/03/25 Client provided the missing, Initial 4/24 CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XX |
Client Complete |
| 409013280 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD acknowledged by borrowers min 3 days prior to closing. | 06/03/25 Client provided the missing, Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XX |
Client Complete |
| 409013293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
Client Complete |
| 409013293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3604 | TRID - Error discovered on Closing Disclosure | No | 06/11/25 Client provided a XXX PCCD to cure an Escrow Account error, however the Loan Term on page 1 was incorrectly changed to XXX yr. XXX mo. The Loan Term is only XXX yr. Provide an LOE to borrower with a corrected PCCD. | 06/13/25 Client provided an LOE and corrected XXX PCCD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
Client Complete |
| 409013293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID5741 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null | No | CD XXX Loan Disclosures Section: Non-Escrowed amount was disclosed under "will have an escrow account" instead of under the "will not have an escrow account" section. Condition is pending LOX with corrected PCD to borrower. | 06/04/25 Client provided an LOE dated XXX and a CD Issued XXX. Condition remains. The LOE verbiage is indicative of a letter sent with the Initial CD, not for the corrective items needed post-closing. Also, the file already contains a XXX Post Close CD so this XXX CD was issued on the closing date. Provide a corrected Post Close CD, issued on the date of correction, that only contains the No-Escrow section (amount in the Escrow section should not be present). If an LOE is attached, please provide a valid explanation for the borrower.06/11/25 Client provided a XXX LOE and PCCD moving the Escrows to the No Escrow section. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
Client Complete |
| 409013293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2157 | Missing Signed 4506 in file | No | Missing fully executed 4506C for B1 | 5/27 Client provided the 4506C | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
Client Complete |
| 409013293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Missing copy of certification of trust | 6.3.2025 Client provided copy of Trust Agreement however missing executed copy of Certification of Trust. Condition remains for Certification of Trust 6.5.2025 Client provided executed Certification of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
Client Complete |
| 409013330 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Fico score XXX exceeds guide lines. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has stable employment with XXX years at current job. |
Client Complete |
| 409013335 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX Credit score exceeds XXX min CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: b |
Client Complete |
| 409013343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income and REO docs | 6/12 Client provided all required income docs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS2854: Significant time in profession - xxx Comments: XXX years same line of work |
Client Complete |
| 409013343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per guidelines, provide most recent XXX month VOM.Translated and converted, if applicable. | 6/12 Client provided the VOM with translation | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS2854: Significant time in profession - xxx Comments: XXX years same line of work |
Client Complete |
| 409013343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1. Provide sufficient documentation supporting US $XXX PI and $XXX TIA for XXX REO on 1003.2. Provide full translations and conversions, including amounts, frequency of payments, due dates, etc., for: a. XXX mortgage statement. Property tax statement3. Provide translated and converted HOI policy or Borrower executed LOE stating no HOISubject to DTI and reserves recalc and may be subject to additional conditions upon review. | 6/12 Client provided a VOM with translation and currency exchange rate supporting qualifying payment | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS2854: Significant time in profession - xxx Comments: XXX years same line of work |
Client Complete |
| 409013343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide the following - subject to full income recalc, as Lender income was used by xxx until below docs reviewed / received:1. 'Income calculation worksheet or 1008 with income calculation. The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for XXX analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions per Form 1084 or Form 91 must be followed.? Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1.? If a liquidity analysis is required and the borrower is using business funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets' xxx currently unable to confirm Lender's calc. 2. If XXX 1065 used in income evaluation / calc, provide clarification of why there are two K1's for B1 and confirmation of how they were used in income calc 3. CPA LOE page 333 combined file states: 'Upon returning to the XXX tentatively set onXXX, B1 will be earning an annual salary from XXX(Company) of$XXX excluding bonuses and dividends from the Company' Note date is XXX, above was only income was used by Lender. Provide documentation this income started prior to XXX, or sufficient documentation for support of it's use. 4. XXX 1120 Return or Extension, if 1120 used for income calc | 6/12 Client provided an Email; upon review by xxx XXX; Borrowers income is documented with schedule C and CPA letter; 1120c Corp was form XXX, Borrower was a resident of XXX and per CPA letter was paid by C Corp as a contractor via 1099 while living outside the XXX; the 1099 income is documented and supported by 1040s XXX/XXX schedule C which meets DU approval; CPA letter indicates a base pay of $XXX will be paid beginning XXX YTD C Corp distributions verified via bank statement significantly exceed the annual $XXX salary used to qualify | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS2854: Significant time in profession - xxx Comments: XXX years same line of work |
Client Complete |
| 409013350 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increase in Credit Report form $XXX on LE XXX to $XXX on CD XXX with no valid reasons documented don COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/03/25 Client provided a XXX PCCD with cure, LOE, $XXX refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX *XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
Client Complete |
| 409013365 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score with XXX Min CFCFS1736: Significant time at current residence - xxx Comments: XXX years at current home |
Client Complete | |||||||||||||||
| 409013369 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete | |||||||||||||||
| 409013450 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status Provide annual tax calculation for subject of $XXX. Doc in file that shows this amount as an estimate. Property Report shows annual amount of $XXX.Provide calculation for HELOC payment of $XXX/month for REO. Provide documentation that XXX#XXX has < 10 payments. | 6.19.2025 Client provided updated 1008 including taxes of $XXX and provided duplicate HELOC documents and LOX stating using XXX% of balance for monthly $XXX and provided XXX payoff quotes for #XXX which show two different payoffs balances however still missing evidence (statement) XXX balance that was paid off; statement needed to support where (asset account) balance was paid off to adjust assets, if same current assets were used. 6/25 Client provided Email that XXX was not paid off but excluded based on payoff balance divided by monthly payments shows less than 10 payments remaining | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with the same employer for over XXX years |
Client Complete |
| 409013450 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide annual tax calculation for subject of $XXX. Doc in file that shows this amount as an estimate. Property Report shows annual amount of $XXX.Provide calculation for HELOC payment of $XXX/month for REO. Provide documentation that XXX #XXX has < 10 payments. | 6.19.2025 Client provided updated 1008 including taxes of $XXX and provided duplicate HELOC documents and LOX stating using XXX% of balance for monthly $XXX and provided XXX payoff quotes for #XXX which show two different payoffs balances however still missing evidence (bank statement) to support where XXX balance was paid off; statement needed to support where (asset account) balance was paid off to adjust assets, if same current assets were used. XXX payoff that was provided support payoff balance is $XXX as of XXX6/25 Client provided Email that XXX was not paid off but excluded based on payoff balance divided by monthly payments shows less than XX payments remaining | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with the same employer for over XXX years |
Client Complete |
| 409013502 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing final CD for sale of XXX to support net proceeds of $XXX must be prior to closing of subject. Subject to additional asset review | 6/12 Client provided the final settlement statement to verify proceeds of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete |
| 409013519 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing VOE performed no more than XXX business days prior to note date XXX; although DU validated borrower's employment, the documentation supporting required a close-by date of XXX. | 6.3.2025 Client provided VVOE for current employment dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. |
Client Complete |
| 409013522 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is 126 points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
Client Complete |
| 409013531 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI. |
Client Complete |
| 409013531 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Loan Estimate in file is dated XXX; application date is XXX. Missing LE issued at application. | 05/29/25 Client provided the Initial XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI. |
Client Complete |
| 409013531 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Consummation date is XXX; however, Final CD XXX was not updated. Condition is pending LOX with corrected PCD to borrower. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI. |
Client Complete |
| 409013531 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing insurance policy with sufficient coverage of at least $XXX. | 5.29.2025 Client provided HOI estimated replacement cost worksheet | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI. |
Client Complete |
| 409013540 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing existence of borrower's XXX to be verified through a third-party source no more than XXX calendar days prior to the note date XXX; A borrowers website is not acceptable third-party source. | 6/5 Client provided a XXX VOE dated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX with the same business for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX % LTV; max XXX %. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409013543 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - xxx Comments: No derogatory credit tradelines the past XXX months. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guidelines of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX |
Client Complete | |||||||||||||||
| 409013549 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITIA in reserves. CFCFS1734: Borrower has significant time at current job - xxx Comments: Significant time in profession, XXX years. |
Client Complete | |||||||||||||||
| 409013557 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 06/03/25 Client provided a signed LOE from Lender stating they are not affiliated with anyone. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409013557 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409013558 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years at current JOB CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves XXXX or XXX months PITI and required is XXX months PITIA |
Client Complete |
| 409013574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage | 06/09/25 Client provided the fully executed, recorded DOT. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score with XXX Min CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXX months PITI and required is XXX months PITIA |
Client Complete |
| 409013598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Provide XXX/XXX taxes for XXX The taxes in file are for XXX | 6/24 Client provided XXX taxes; Condition remains 6/30 Client provided evidence the XXX REO is not owned by Borrower | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrower has XXX months of 0x30 on current mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required |
Client Complete |
| 409013598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Provide updated 1003 for B2 with XXX in Liabilities. Currently the XXX is on B1 application | 6/24 Client provided 1003 with XXX | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrower has XXX months of 0x30 on current mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required |
Client Complete |
| 409013598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide XXX/XXX taxes for XXX The taxes in file are for XXX | 6/24 Client provided a XXX tax search; condition remains 6/26 Client provided an Email and several web searches showing the subject is a XXX, per UW they added the address to REO as an abundance of caution and have no other evidence the Borrower owns the property"6/30 Client provided an Email; Upon review and by independent search, no evidence found showing any ownership by Borrowers in XXX; provide a revised 1003/1008 removing XXX from REO and TI pmt from DTI 7.3.2025 Client provided updated 1003 with removing XXX from REO of 1003 and from DTI with updated 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrower has XXX months of 0x30 on current mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required |
Client Complete |
| 409013598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Provide Trust Agreement | 6/24 Client provided the Trust Cert | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrower has XXX months of 0x30 on current mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required |
Client Complete |
| 409013598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide calculation of additional XXX for B2 of $XXX/month | 6/24 no UW comments provided; re send7/2 Client provided an Email ; upon review the UW comments and Attorney LOX additional XXX calculation is supported | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrower has XXX months of 0x30 on current mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required |
Client Complete |
| 409013602 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Fico score XXX exceeds guide lines. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX is below lender's guide line maximum of XXX%. |
Client Complete |
| 409013606 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, a revised CD was issued on XXX which is missing from file. | 06/12/25 Client provided the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409013620 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXXXXX required for lien free reo |
Client Complete |
| 409013621 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409013628 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrower has XXX months of 0x30 on current mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required |
Client Complete | |||||||||||||||
| 409013630 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409013630 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | XXX% LTV exceeds the XXX% max allowed. xxx exception approval is in file. | 6/9 Client provided an approved exception to allow the file with a XXX LTV | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required, Low LTV | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409013637 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete | |||||||||||||||
| 409013639 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA, met CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
Client Complete |
| 409013639 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Purchase contract and all related documents, are not initialed at bottom of each page. Combined file pages 153 +, and 253 +.Provide updated documents. | 6/5 Client provided an Email from the Title Closer that " the contract was signed and witnessed and the initials are not required"; Upon review to be considered "fully executed", the initials boxes should be complete; Condition remains6/5 Client provided an approved exception to allow the file without the individual pages initialed | Upon review by xxx XXX ; considered NON Material B grade, credit score exceeds GLs and DTI is low | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA, met CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
Client Complete |
| 409013647 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409013647 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing HOA statements for XXX | 6.16.2025 Client provided HOA invoice for XXX supporting monthly $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409013647 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC3204 | Income Documentation Missing | No | B1 has < XXX months of K1 guaranteed payments | 5/22/25 Client provided approved exception for <XXX months guaranteed payments | xxx initial & final grade of B due to cash reserves and B2 additional income not being used | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409013672 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per COC XXX and XXX tracking in file, a revised LE was issued and emailed to borrowers but is missing in file. | 06/13/25 Client provided the missing, Revised XXX LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
Client Complete |
| 409013672 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID | No | Loan Originator Organization XXX NMLS on 1003 and Note is XXX. When entering that number in NMLS it brings up XXX, however with the NMLS #XXX. Provide documentation that NMLS #XXX belongs to XXX | 6.13.2025 Client provided NMLS that verifies ID XXX belonging to The XXX Branch and XXX under XXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
Client Complete |
| 409013672 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers estimated statement document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing ATR/QM Worksheet or XXX or XXX to determine ATR/QM. | 6/5 Client provided the XXX | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2478 | Missing Legal Documentation | No | Missing fully executed Purchase Agreement reflecting purchase price $XXX. | 6/5 Client provided the executed purchase agreement and addendum | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in the amount of $XXX as Inspection Fee, Appraisal Review Fee and Insurance Certificate Fee were added without a COC in file. A Lender Credit in the amount of $XXX for Insurance Certificate was disclosed on Final CD XXX; however, an additional $XXX is required. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/05/25 Client provided a missing XXX COC and LE package. Re-testing still results in an additional Zero Tolerance violation of $XXX for the added Final Inspection Fee on the Revised XXX LE. The COC reflects a Rate Lock, Rate change and DTI change. Reasons do not validate the Inspection Fee. The Appraisal documentation in file does not meet timing based on report dates for re-disclosure on XXX Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with tracking.06/12/25 Client provided a missing XXX COC and LE package. Re-testing results in no violation (Appraisal subject-to Invoice XXX). | Condition Satisfied. | Numeric | Not Applicable | CFCFS5269: Minimal use of credit - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD | 06/05/25 Client provided the Seller CD and ALTA. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS5269: Minimal use of credit - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing VVOE for both Borrowers dated within XXX business days of Note date. | 6/5 Client provided the VVOE | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing Master Condo Insurance Policy verifying sufficient insurance coverage. | 6/5 Client provided the Master Insurance | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certificate. | 6/5 Client provided the Flood Cert | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
Client Complete |
| 409013769 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments: > XXX years at current job |
Client Complete | |||||||||||||||
| 409013780 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXXX% LTV; max XXXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $xxx reserves; $xxx + xxx $xxx= $xxxreserves required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXXmo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXX qual score; min XXXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXXX% DTI; max XXXX%. |
Client Complete |
| 409013780 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 06/10/25 Client provided the Initial 5/22 CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXXX% LTV; max XXXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $xxx reserves; $xxx + xxx $xxx= $xxxreserves required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXXmo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXX qual score; min XXXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXXX% DTI; max XXXX%. |
Client Complete |
| 409013780 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD xxx is the only CD in file. Missing initial CD acknowledged by borrowers min 3 days prior to closing. | 06/10/25 Client provided the Initial xxx CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXXX% LTV; max XXXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $xxx reserves; $xxx + xxx $xxx= $xxxreserves required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXXmo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXX qual score; min XXXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXXX% DTI; max XXXX%. |
Client Complete |
| 409013782 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
Client Complete |
| 409013782 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide XXX and XXX Bank Statement from XXX XXX to verify a complete XXX months rent payments | 6/2 Client provided XXX months history | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
Client Complete |
| 409013782 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide copy of 3rd party VOE for FLH Agency | 6/2 Client provided a XXX VOE dated XXX and prior to close undated VOE | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
Client Complete |
| 409013785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline of XXX% CFCFS2860: Good credit history - xxx Comments: No derogatory credit in the past XXX months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX for a maximum loan amount of $XXX. |
Client Complete |
| 409013794 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete |
| 409013812 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceeds guideline minimum of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% |
Client Complete |
| 409013831 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX |
Client Complete | |||||||||||||||
| 409013844 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months PITIA. CFCFS5269: Minimal use of credit - xxx Comments: Conservative credit user; minimal outstanding debts. |
Client Complete |
| 409013844 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Please provide below for 1120s:' The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for self-employment analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions per Form 1084 or Form 91 must be followed.? Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1.? If a liquidity analysis is required and the borrower is using business funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets' | 5/28 Client provided the 1084 forms, on reviewed schedule L of 1120s shows sufficient liquidity | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months PITIA. CFCFS5269: Minimal use of credit - xxx Comments: Conservative credit user; minimal outstanding debts. |
Client Complete |
| 409013852 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has owned the subject property for XXX years XXX months. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
Client Complete | |||||||||||||||
| 409013869 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% % DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI in reserves. |
Client Complete | |||||||||||||||
| 409013902 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete | |||||||||||||||
| 409013914 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status history upon review / receipt of missing employment, income and debt documentation | 7/11 Client provided required docs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409013914 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409013914 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing initial CD. | 06/27/2025 Client provided missing Initial CD XXX with E-sign summary for LE XXX showing Per loan E-Consent and a COC for LE XXX Condition remains. Provide evidence of receipt for Initial CD XXX for both Borrowers a minimum a XXX Business days before closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409013914 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD. | 06/27/2025 Client provided missing Initial CD XXX with E-sign summary for LE XXX showing Per loan E-Consent and a COC for LE XXX. Condition remains. Provide evidence of receipt for Initial CD XXX for both Borrowers a minimum a XXX Business days before closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409013914 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation supporting Tax/Ins/Hoa amounts reflected on the 1003 for both Farm REOs. Reviewed used Lender figures until further review. Subject to DTI and reserves recalc, may be subject to additional conditions upon review. | 6/26 Client provided an Email but no supporting docs for Tax Ins or HOA dues was found; re send6.26.2025 Client provided PITIA verification for XXX however initial condition is for verification of PITIA being used on REO of 1003 for both address: XXX and XXX. Condition remains for evidence of PITIA verification used on 1003 for both Farm REO's supporting the amount listed on 1003/REO | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
Client Complete |
| 409013916 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409013918 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS2860: Good credit history - xxx Comments: No derogatory credit in the past XXX months. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline requirement of XXX%. |
Client Complete |
| 409013918 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Insurance | Satisfied | B | A | B | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard Insurance policy effective date XXX reflect dwelling coverage of $XXX which is insufficient for loan amount. Missing replacement cost coverage indicated on the policy. | 6.16.2025 Client provided copy of HOI policy along with RCE with sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS2860: Good credit history - xxx Comments: No derogatory credit in the past XXX months. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline requirement of XXX%. |
Client Complete |
| 409013922 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon receipt / review of missing B1 XXX income | 6/24 Client provided supporting docs for XXX income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS2854: Significant time in profession - xxx Comments: B1 XXX years same line of work CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX |
Client Complete |
| 409013922 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS2854: Significant time in profession - xxx Comments: B1 XXX years same line of work CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX |
Client Complete |
| 409013922 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide missing documentation supporting XXX XXX for B1, as reflected on page 842 combined file. Subject to income recalc and may be subject to additional conditions upon review. | 6/24 Client provided the supporting docs for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS2854: Significant time in profession - xxx Comments: B1 XXX years same line of work CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX |
Client Complete |
| 409013922 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide executed 4506 / 8821 for B3 and B4 | 6/25 Client provided the executed 4506 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS2854: Significant time in profession - xxx Comments: B1 XXX years same line of work CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX |
Client Complete |
| 409013931 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 06/03/25 Client provided a signed LOE from lender stating they are not affiliated with anyone. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409013931 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | CD: XXX, Section: Loan Calculations, Field: Annual Percentage Rate (APR), Value:XXXCD:XXX, Section: Loan Calculations, Field: Annual Percentage Rate (APR), Value: XXXdifference of XXX.For further testing, provide the borrower's confirmation of receipt for the Revised XXX CD with the increased APR. Additional conditions may apply. | 06/05/25 Client provided the XXX CD Tracking that confirms receipt by all parties on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409013938 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. |
Client Complete | |||||||||||||||
| 409013956 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years XXX months at current job CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXX months PITI and required is XXX months PITI and XXX months for 3 financed REOS |
Client Complete |
| 409013956 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to increased Recording fee on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/04/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years XXX months at current job CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXX months PITI and required is XXX months PITI and XXX months for 3 financed REOS |
Client Complete |
| 409013956 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | RSU income used to Qualify file has current stock price prior to close; Provide RSU calculation meeting GLs and Future vesting using lower of Stock price or XXX week avg stock price used to qualify; also missing XXX average stock price documentation | 5/28 Client provided XXX week avg Stock price and RSU income WS | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years XXX months at current job CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXX months PITI and required is XXX months PITI and XXX months for 3 financed REOS |
Client Complete |
| 409013965 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Non occupant co borrower reserves $XXX or XXX months |
Client Complete | |||||||||||||||
| 409013972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
Client Complete | |||||||||||||||
| 409013978 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409013993 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - xxx Comments: XXX years XXX months at current home CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score with XXX min |
Client Complete | |||||||||||||||
| 409013994 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 06/12/25 Client provided the Initial XXX CD package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: B2 has been in the same profession for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409013994 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing. | 06/12/25 Client provided the Initial XXX CD package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: B2 has been in the same profession for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409014002 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX CFCFS2860: Good credit history - xxx Comments: Borrower has no derogatory credit history in the past XXX months. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guidelines |
Client Complete |
| 409014003 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409014009 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on previous mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required |
Client Complete | |||||||||||||||
| 409014050 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification for B1 XXX XXX | 6/2 Client provided the XXX VOE | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income, REO and debt documentation | 6.12.2025 Client provided missing income documents along with REO and debt documentation | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV |
Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV |
Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX was added to LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/05/25 Client provided a duplicate copy of the XXX COC. Condition remains. The COC does not provide a valid change in circumstance reason for the added CDA Fee. Lender to provide further supporting documentation, from the time of the change, that explains the "change" that occurred on XXX. Additional conditions may apply.XXX Client provided an LOE to borrower and XXX PCCD reflecting a $XXX Lender Credit for the cure. Condition remains for a copy of the $XXX refund check and the proof of delivery that includes Tracking.06/16/25 Client provided the $XXX refund check and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV |
Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide sufficient documentation supporting exclusion of XXX REO reflected on XXX 1040 Schedule E. May be subject to additional conditions upon review. | 6/9 Client provided evidence XXX REO was sold | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV |
Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1.Provide sufficient documentation to tie in :a. XXX# XXX $XXX PITI Payment to XXX REOb. XXX # XXX $XXX PITI payment to XXX REOSubject to income / DTI recalc and may be subject to additional conditions upon review. 2. Provide sufficient documentation supporting XXX REO on XXX XXX, is the same REO as XXX Rental income from XXX used to qualify. Subject to income / DTI recalc and may be subject to additional conditions upon review. | 6/9 Client provided mortgage statements fora. XXX # XXX $XXX PITI Payment to XXX REOb. XXX # XXX $XXX PITI payment to XXX REO; Still missing, sufficient documentation supporting XXX REO on XXX, is the same REO as XXX. Rental income from XXX used to qualify. Subject to income / DTI recalc and may be subject to additional conditions upon review. 6/11 Client provided sufficient documentation to show XXX is 1 property | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV |
Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | XXX PL for XXX shows XXX compensation to officers. XXX W2 reflects XXX.XXX returns / K1 not in file - however XXX and XXX K1's reflect Borrower as XXX% XXX.Provide sufficient documentation to correct / address discrepancy. Subject to income recalc and may be subject to additional conditions upon review | 6/9 Client provided an LOX that " XXX is the XXX and there is a XXX of the company. XXX. He does own XXX% of the other businesses but not this one They put them together as officers of the company"; Provide an LOX from CPA or Borrower for ownership discrepancy" Income subject to recalculation 6/16 Client provided an LOX that" they combined income for his role as XXX an an owner in error on the income sheet..." | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV |
Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide signed XXX YTD PL for both 1120s.Subject to income recalc and may be subject to additional conditions upon review | 6/10 Client provided YTD P&Ls | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV |
Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide the following, may be subject to additional conditions upon review.1. XXX extensions for all 4 business 2. Signature pages for all business returns | 6/9 Client provided extensions and signed taxes | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV |
Client Complete |
| 409014062 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guidelines of XXX%. |
Client Complete | |||||||||||||||
| 409014084 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409014084 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in the amount of $XXX as Title Administration and Title Document Preparation fees were added without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/12/25 Client provided a XXX PCCD with $XXX principal reduction cure, LOE to borrower and email delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409014104 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees and Realtor commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXXrequired. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409014104 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX percent tolerance of $ XXX due to added Discount Points $XXX and Program fee $XXX on CD XXX with no COC in file to support it. Per XXX tracking and XXX, a revised LE was issued with COC but both disclosures are missing. Provide disclosures for further testing or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 07/03/25 Client provided the missing XXX COC and XXX LE reflecting the Lock and Program changes. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXXrequired. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409014114 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409014132 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Final CD XXX is missing Page 2 (Seller's CD Page 2 is currently in place of borrower's page 2) - input as is for testing purposes; Condition pending receipt of Borrower's Page 2 of Final CD along w/ re-examination of closing fees/loan costs. | 06/05/25 Client provided all pages to the Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
Client Complete |
| 409014156 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX % DTI; max XXX%. |
Client Complete | |||||||||||||||
| 409014182 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - xxx Comments: B2 has been in the same profession for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
Client Complete | |||||||||||||||
| 409014184 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Business internet was provided being used for VVOE / Schedule C Missing acceptable 3rd party documentation VVOE for Schedule C / XXX | 7/1 Client provided the XXX VOEs | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% below guideline requirement CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV below guideline requirements CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified cash reserves exceed guidelines, XXX months |
Client Complete |
| 409014213 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | Missing Page xxx of Mortgage/Deed of Trust. | 06/12/25 Client provided all pages of the DOT. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXXX years. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has been at the same residence for XXXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $xxx reserves; $xxx reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXX qual score; min XXXX. |
Client Complete |
| 409014213 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Missing initial LE date xxx per disclosure tracking. | 06/12/25 Client provided the missing xxx Initial LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXXX years. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has been at the same residence for XXXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $xxx reserves; $xxx reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXX qual score; min XXXX. |
Client Complete |
| 409014226 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary in file, a Post CD was issued on XXX. Disclosure is missing in file. | 06/23/2025 Client provided a Final CD XXX that was missing from file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXXX CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409014226 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | Income/Employment | Satisfied | A | A | A | A | CRDINC150 | Income docs do not meet guidelines | No | 6/5/25 XXX Approved Exception provided allowing Lack of XXX Year XXX Earnings History | 6/5/25 XXX Approved Exception provided allowing Lack of XXX Year XXX Earnings History | xxx initial & final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXXX CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409014226 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Borrower lacks XXX year XXX earnings history. | 07/01/2025 Client provided an approved exception to allow for the lack of XXX year XXX earnings history. Upon further review by Senior UWer exception is deemed Non-Material. File has the following compensating facotors:verified cash reserves exceed guidelines, mortgage payment history exceeds guidelines and credit score exceeds guidelines. | xxx initial and final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXXX CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409014228 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charges are understated by $XXX. Condition is pending receiving cure via refund of the amount of the under-disclosure, LOX, corrected PCCD reflecting cure, Reopen rescission to all title holders and proof of delivery with tracking shipment. | 07/10/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and In Transit Shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history - xxx Comments: XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments: > XXX years at current job |
Client Complete |
| 409014228 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | CD: XXX Section: Loan Calculations, Field: Amount Financed, Value is $XXXCalculated, Value is $XXX a difference of $XXX. Condition is pending receiving cure via refund of the amount of the under-disclosure, LOX, corrected PCCD reflecting cure, Reopen rescission to all title holders and proof of delivery with tracking shipment. | 07/10/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and In Transit Shipping label. | Condition Satisfied. | Numeric | Not Applicable | CFCFS2860: Good credit history - xxx Comments: XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments: > XXX years at current job |
Client Complete |
| 409014228 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history - xxx Comments: XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments: > XXX years at current job |
Client Complete |
| 409014228 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH122 | Foreclosure history does not meet guidelines | No | Departing residence purchased XXX, per property report. Foreclosure XXX, per Drive report. Does not meet below: Guidelines: Foreclosure - XXX(XXX) years since completion date | 6.30.2025 Client provided Lender LOX regarding foreclosure. Response, it does not appear to be for departure home unit, departure home is a Condo and possibly for a difference unit in the condominium and credit report reflect no derogatory history on the mortgage for departure home, in addition file have copy of property profile of this property with no issues. Credit report reflect both mortgages current w/X XXXX (pg. 438) and prior mtg w/XXX (pg. 440) and XXX (pg. 441) | Condition satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - xxx Comments: XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments: > XXX years at current job |
Client Complete |
| 409014250 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% qualifying LTV CFCFS2854: Significant time in profession - xxx Comments: B1 XXX years same line of work B2 XXX years same line of work |
Client Complete | |||||||||||||||
| 409014273 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409014294 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. |
Client Complete |
| 409014294 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing sufficient assets to support XXX months PITI requirement. Pending XXX#XXX | 6.16.2025 Client provided XXX#XXX XXX and XXX bank statement with balance $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. |
Client Complete |
| 409014294 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX acct#XXX asset statement used for funds to close and reserves | 6.16.2025 Client provided XXX #XXX XXX and XXX bank statement with balance $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. |
Client Complete |
| 409014305 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage |
Client Complete |
| 409014305 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide calculation for $XXX/month for subject taxes. | 6.26.2025 Client provided LOX email with calculation of monthly taxes used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage |
Client Complete |
| 409014672 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | File is missing verification of the existence of borrowers XXX verified through a third-party source and no more than XXX (XXX) calendar days prior to the Note date for B1. | 6/2 Client provided `the third party XXX VOE | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX with current business since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is 10% below the maximum allowable LTV of XXX%. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXXmonths required. |
Client Complete |
| 409014679 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX |
Client Complete | |||||||||||||||
| 409014690 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete | |||||||||||||||
| 409014691 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections E & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409014691 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | APR increased to XXX% on Revised CD XXX from XXX% on Initial CD XXX due to interest rate increasing to XXX from XXXRevised CD XXX is missing borrower's acknowledgment of receipt min XXX days prior to closing as it's re-setting XXX day waiting period. | 06/13/25 Client provided the e-signed copy of the XXX CD with Tracking that confirms receipt on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409014898 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing Documentation to Support $ XXX/ Month in Bonus Income | 7/1 Client provided required docs | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 18 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409014898 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing QM Determination | 7/1 Client provided XXX with determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 18 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409014898 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing Documentation to Support $ XXX/ Month in Bonus Income | 7/1 Client provided a revised income WS for Bonus using YT plus prior two years W2s less verified salary; xxx bonus calculation if YTD XXX plus XXX Total W2 less salary Bonus calc / XXX $XXX DTI updated to XXX | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 18 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409014906 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score with XXX min CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and required is XXX months PITIA plus XXX months for 2 REOs |
Client Complete | |||||||||||||||
| 409015012 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years |
Client Complete | |||||||||||||||
| 409015013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
Client Complete |
| 409015013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient assets verified in the file to meet the reserve requirement. Total assets verified were $XXX with cash required to close of $XXX (including the EMD) leaving $XXX available in reserves. Total reserves required are $XXXX, or XXX months PITI for the subject property and XXX months PITI for retained departure residence. Evidence the EMD of $XXX has cleared the borrowers' account is missing from the file. Additional asset documentation verifying sufficient assets to meet the reserve requirement is required. | 6.9.2025 Client provided exception approval for short reserves with no evidence of $XXX EMD being cleared, no EMD credit given. | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, DTI XXX% and over XXX years in profession with XXX and XXX years at current residence. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
Client Complete |
| 409015014 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX with current business since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
Client Complete |
| 409015014 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | File is missing verification of rental payment history from prior residences verifying 0X30 late payments in the last XXX months. If the landlord is a party to the transaction or relative of the borrower, cancelled checks or bank statements to verify satisfactory rent history is required; otherwise, if not related or a party to the transaction a satisfactory VOR can be provided. | 6/10 Client provided an approved exception to allow without the XXX month rental history | xxx initial and final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX with current business since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
Client Complete |
| 409015016 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | B | D | B | D | B | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | B | B | B | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Fees corrected on PCD XXX to cure under-disclosure; Condition Satisfied. | (No Data) | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXXREO: $XXX x XXX = $XXX |
Client Complete |
| 409015016 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | B | D | B | D | B | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | B | B | B | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | Fees corrected on PCD XXX to cure under-disclosure; Condition Satisfied. | (No Data) | Condition satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXXREO: $XXX x XXX = $XXX |
Client Complete |
| 409015016 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | B | D | B | D | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of XXXDiscount Points increased to $XXX on Final CD XXX from $XXX on Initial CD XXX without a COC nor any related doc(s) (enclosed Lock docs indicate old expiration dates & the same old/lower discount points amount); Lock did expire on XXX & loan consummated on XXX; loan amount remained the same as well; Lender Credit NOT indicated on Final CD nor PCD XXX; Condition pending receipt of Lock Extension related doc(s). | 06/05/25 Client provided a XXX COC, the Final CD and the XXX Lender Conversation Log reflecting the lock extension with pricing adjustment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXXREO: $XXX x XXX = $XXX |
Client Complete |
| 409015016 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | B | D | B | D | B | A | A | C | B | Credit | Income/Employment | Waived | D | B | D | B | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide XXX Profit and Loss from XXXX | 6.4.2025 Client provided exception approval for missing end of year XXX Profit/Loss for business: XXX with file having a copy of XXX extension. | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, XXX years with current XXX, verified cash reserves and fico score XXX | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXXREO: $XXX x XXX = $XXX |
Client Complete |
| 409015017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409015018 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months PITIA in reserves. |
Client Complete |
| 409015019 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI in reserves. CFCFS5269: Minimal use of credit - xxx Comments: Borrowers are conservative credit users; minimal outstanding debts. |
Client Complete |
| 409015022 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXX credit score exceed guideline of XXXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXXX% LTV is below guideline of XXXX% CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past xxx months. |
Client Complete | |||||||||||||||
| 409015026 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1736: Significant time at current residence - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete | |||||||||||||||
| 409015027 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months PITIA in reserves. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS5269: Minimal use of credit - xxx Comments: Borrower is a very conservative credit user; minimal outstanding debt. |
Client Complete |
| 409015027 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing year-end Profit and Loss for prior year (XXX) for XXX | 6/9 Client provided an approved exception to allow the file without the XXX P&L | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months PITIA in reserves. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS5269: Minimal use of credit - xxx Comments: Borrower is a very conservative credit user; minimal outstanding debt. |
Client Complete |
| 409015028 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
Client Complete |
| 409015031 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject second home, and 3 financed REO's CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
Client Complete |
| 409015032 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score with XXX min CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and Required is XXX months plus XXX months for 1 REO |
Client Complete |
| 409015032 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Client provided evidence of $XXX Insurance coverage and required is $XXX | 6/10 Client provided an Insurance company RCE of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score with XXX min CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and Required is XXX months plus XXX months for 1 REO |
Client Complete |
| 409015033 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required. |
Client Complete | |||||||||||||||
| 409015034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX with current business since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. |
Client Complete | |||||||||||||||
| 409015035 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $XXX XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete |
| 409015036 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation verifying HOA dues of $XXX for XXX | 6.9.2025 Client provided Borrower LOX stating no monthly HOA on XXX property. Response, REO of 1003 states $XXX (for taxes/hoi), taxes of $XXX verified in file and LOX provided says no monthly HOA, difference of $XXX however mtg statement shows hazard disbursement of $XXX for monthly $XXX; there is still $XXX unaccounted for. PI $XXX verified and taxes of $XXX verified and HOI $XXX verified; mtg statement only show HOI being escrowed not taxes, low DTI accepting the verification document provided to support PITIA | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITIA in reserves. |
Client Complete |
| 409015038 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score is below guideline minimum of XXX. CFCFS2860: Good credit history - xxx Comments: No derogatory credit in the past XXX months. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Cash reserves of $XXX or XXX months PITI exceed guidelines for XXX months. |
Client Complete |
| 409015038 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOR from XXX | 6.9.2025 Client provided exception approval for missing VOR (verification of rental payment history) | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score is below guideline minimum of XXX. CFCFS2860: Good credit history - xxx Comments: No derogatory credit in the past XXX months. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Cash reserves of $XXX or XXX months PITI exceed guidelines for XXX months. |
Client Complete |
| 409015039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: ASSETSPost Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX for lien free REO |
Client Complete |
| 409015040 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409015040 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Credit reports with bureaus identified as frozen are required to be unfrozen and a current credit report with all bureaus unfrozen is required. | (No Data) | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; low LTV, low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXXXreserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409015041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409015041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing the required P&L for the borrower's primary XXX business. | 6/9 Client provided an approved exception to allow the file without the P&L | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409015042 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves $XXX or XXX months (same assets verified used per DU and Final 1003) Required reserves $XXX(XXX months for subject + XXX months REO) Short reserves by XXX to be verified Note: XXX day XXX balance of $XXX taken out of liquid assets | 6/11 Client provided an approved exception to allow the file with verified reserves of $XXX | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, XXX years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% below guideline requirement |
Client Complete |
| 409015042 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC889 | Income is Not Reasonable | No | Borrower works for XXX(XXX% XXX) 1. Missing XXX/XXX 1040 Transcripts (file have the 1040's) however missing the Transcripts 2. Final 1003 to reflect as working for XXX | 6/11 Client provided an approved exception to allow the file without the XXX/XXXTranscripts and corrected 1003 | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, XXX years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% below guideline requirement |
Client Complete |
| 409015042 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Borrower works for XXX (XXX% owner) 1. Missing XXX 1040 Extension 2. Missing XXX k1 (XXX k1 income declined from XXX/addressed in file, missing XXX k1, XXX w2 in file) and file have XXX k1's for other employment not used however missing XXX k1 for XXX (1st employment) for review of income to support no further decline of income. | 6/11 Client provided an approved exception to allow the file without the XXX K-1 | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; File has a year end XXX PS, and WVOE, XXX W2, CPA letter, Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, XXX years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% below guideline requirement |
Client Complete |
| 409015044 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV is below guideline requirements of XXX% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline requirement of XXX%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Recent previous mortgage: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. |
Client Complete |
| 409015045 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - xxx Comments: No derogatory credit in the past XXX months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Cash reserves of $XXX- or XXX-PITI months reserves exceed guidelines |
Client Complete | |||||||||||||||
| 409015046 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXXX % below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
Client Complete |
| 409015047 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
Client Complete |
| 409015048 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years, XXX months at current job. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. |
Client Complete |
| 409015048 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves of $XXX; total reserves required $XXX. XXX months for subject at $XXX = $XXX + XXX months for other financed property at $XXX= $XXX. | 6/11 Client provided an approved exception to allow the file with reserves of $XXX | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Long term job, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years, XXX months at current job. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. |
Client Complete |
| 409015051 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | CMPSTCP1297 | XXXX Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | Missing XXXX Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) | 06/16/25 Client provided the fully executed XXXX Disclosures. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX |
Client Complete |
| 409015051 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | CMPSTCP1309 | XXXX Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | Missing XXXX Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) | 06/16/25 Client provided the fully executed XXXX Disclosures. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX |
Client Complete |
| 409015051 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC2408 | Income verification does not meet guidelines | No | Borrower is employed by XXX. Missing XXX years most recent tax transcripts as required by guidelines. | 6/10 Client provided an approved exception to allow the file without tax transcripts | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX |
Client Complete |
| 409015053 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score exceeds XXXX min CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years at job CFCFS1736: Significant time at current residence - xxx Comments: XXX years at current home |
Client Complete |
| 409015053 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Lenders RSU calculation form using the XXX day moving average and stock price provided; Also missing the vesting schedule to confirm XXX year continuance | 7.7.2025 Client provided Notice of Grant for RSU income calculation support vesting schedule and provided XXX day moving average and stock price, using most recent XXX months average vesting stock x XXX day moving average price (per Lender worksheet in file) supporting RSU income being used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score exceeds XXXX min CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years at job CFCFS1736: Significant time at current residence - xxx Comments: XXX years at current home |
Client Complete |
| 409015056 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months PITI in reserves. |
Client Complete | |||||||||||||||
| 409015088 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Final ALTA in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Significant time in profession, XXX years. |
Client Complete |
| 409015088 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX due to added or increased Title fees with no COC in file to support it. Fees are not listed in Service Provider's List therefore, all title fees including recording fee are tested for XXX% violation. Condition is pending receiving a valid Change of Circumstances/SPL or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/26/2026 Client provided PCCD XXX with cure, copy of cure check , LOE and Out for delivery Shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Significant time in profession, XXX years. |
Client Complete |
| 409015093 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + XXX REOs $XXX * XXX = $XXXreserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years. |
Client Complete |
| 409015093 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's Form 1084 or equivalent, required for XXX analysis. | 7/1 Client provided the 1084 income WS | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + XXX REOs $XXX * XXX = $XXXreserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years. |
Client Complete |
| 409015098 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS2854: Significant time in profession - xxx Comments: The borrowers have been in their respective professions for XXX and XXX years. |
Client Complete |
| 409015106 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing REO PITIA documentation | 7.8.2025 Client provided evidence of monthly HOA of $XXX monthly ($XXX quarterly) for XXX REO property however still missing sufficient documentation of PITIA reflected on Final 1003 for XXX REO. 7/9 Client provided supporting mtg stmt | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: At job > XXX years |
Client Complete |
| 409015106 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs and CD e-signed by both borrowers; however, there is no prior e-sign consent in file for borrower 2; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for all borrowers. | 07/10/25 Client provided the Initial Disclosures XXX reflecting both XXX E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: At job > XXX years |
Client Complete |
| 409015106 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide the following:1. XXX REO: sufficient documentation of PITIA reflected on Final 10032. XXX REO: sufficient documentation for HOA; document on page 556 combined file does not have property address or borrower's name. Subject to DTI and reserves recalcs and may be subject to additional conditions upon review. | 7.8.2025 Client provided evidence of monthly HOA of $XXX monthly ($XXX quarterly) for XXX REO property however still missing sufficient documentation of PITIA reflected on Final 1003 for XXX REO. 7/9 Client provided the XXX REO mortgage statement | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: At job > XXX years |
Client Complete |
| 409015120 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITIA in reserves. |
Client Complete |
| 409015132 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
Client Complete |
| 409015132 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA | 7/9 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
Client Complete |
| 409015150 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Cash reserves of $XXX or XXX months reserves exceed guideline requirement. |
Client Complete | |||||||||||||||
| 409015160 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX |
Client Complete |
| 409015185 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but the Fees are not Listed on Borrower final CD dated XXX. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
Client Complete |
| 409015186 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. |
Client Complete |
| 409015203 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has stable employment with XXX years at current job. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Fico score XXX exceeds guide lines. |
Client Complete | |||||||||||||||
| 409015212 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required |
Client Complete |
| 409015212 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added two Verification fees on CD XXX. COC dated XXX indicates fees were added due to UW requirements. Fees were not disclosed timely as loan went thru UW prior to XXX when Rental Survey fee was disclosed on LE XXX Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/27/2025 Client provided PCCD XXX with Principal Reduction, LOE and Loan transaction history reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required |
Client Complete |
| 409015212 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to increase in Recording fee from $XXX on LE XXX to $XXX on CD XXX with no valid COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/27/2025 Client provided PCCD XXX with Principal Reduction, LOE and Loan transaction history reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required |
Client Complete |
| 409015215 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
Client Complete |
| 409015426 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI in reserves. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. |
Client Complete | |||||||||||||||
| 409015428 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | While Guidelines state: If two (2) full appraisals are provided, a CDA is not required, and that has been met below:XXX XXX appraised value supported by second full appraisal on XXX for XXX; please provide missing XXX CDA as reflected ordered on PC CD XXX | 7.10.2025 Client provided 3rd party CDA supporting value of $XXX with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX%. |
Client Complete |
| 409015434 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Departing residence PITI XXX per mortgage statement and XXX per CBR XXX supplement However, both B1 and B2 Final 1003s reflect XXX.Borrower LOE states XXX HOA. Provide sufficient documentation supporting XXX PITI. Subject to DTI and reserves recalc and may be subject to additional conditions upon review. | 7.8.2025 Client provided updated 1003 with REO reflecting PITI payment of $XXX for departure home | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS2854: Significant time in profession - xxx Comments: B1: XXX years same line of workB2: XXX years same line of work |
Client Complete |
| 409015455 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
Client Complete |
| 409015478 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR114 | ROR - Right of Rescission not executed by all title holders | No | Missing Right of Rescission form for non-borrowing spouse. | 07/03/25 Client provided the missing ROR for the non-borrowing spouse. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months PITIA in reserves. |
Client Complete |
| 409015478 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | XXXX Home Equity | Satisfied | B | A | B | A | CMPTXHE308 | Voluntary Same-Lender Debt disclosure not provided to borrower | No | Missing Voluntary Same-Lender Debt disclosure | 07/03/25 Client provided the Voluntary Same-Lender Debt disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months PITIA in reserves. |
Client Complete |
| 409015478 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | CD XXX e-signed by non-borrowing spouse with no prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for non-borrowing spouse. | 07/03/25 Client provided the proof of e-consent for the non-borrowing spouse. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months PITIA in reserves. |
Client Complete |
| 409015555 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXXYears at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession |
Client Complete | |||||||||||||||
| 409015611 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculation worksheet or 1008 with income calculation for both borrowers. | 7.8.2025 Client provided Lender income calculation for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required. CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have lived in the same residence for XXX years. |
Client Complete |
| 409015613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures including LE XXX were emailed to borrowers but a prior e-consent is missing in file. | 07/11/25 Client provided the missing E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX |
Client Complete |
| 409015613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL3954 | Missing POA (Power of Attorney) | No | Provide missing POA. May be subject to additional conditions upon review | 7.9.2025 Client provided executed Specific Power of Attorney | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX |
Client Complete |
| 409015613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | DU DTI: XXX%Reviewer DTI: XXX%Provide updated AUS findings due to > XXX% variance. My be subject to additional conditions upon review. | 7.16.2025 Client provided updated DU AUS Approval submission #XXX with DTI change | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX |
Client Complete |
| 409015650 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
Client Complete |
| 409015660 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has stable employment with XXX years at current job. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Fico score XXX exceeds guide lines. |
Client Complete | |||||||||||||||
| 409015670 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculation on Form 1084 or equivalent required for XXX analysis for B2. | 7/10 Client provided the income calculation form | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
Client Complete |
| 409015686 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years |
Client Complete | |||||||||||||||
| 409015720 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX |
Client Complete |
| 409015754 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% |
Client Complete | |||||||||||||||
| 409015772 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | 3rd Borrower is not occupying co borrower with blended ratios | 7/03/2025 client provided an approved exception foe B3 as occupying split time between home that is paid off and subject property | Upon further review by Senior UW exception is deemed non-material due to cash reserves exceed guidelines and DTI below guideline requirements. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
Client Complete |
| 409015784 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing the HUD from sale of XXX with evidence of payoff and proceeds | 7/1 Client provided the HUD for sale of XXX | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years at current job CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score with a XXX min CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves $XXX or XXX months and required is XXX months |
Client Complete |
| 409015787 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI Is below guideline maximum of XXX% CFCFS1749: Additional documented income not used in qualifying - xxx Comments: B1 has additional documented RSU income not being used to qualify. |
Client Complete |
| 409015853 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Borrower has Reserves Less Than Program Minimum But Within XXX% Of Required Reserves | 6/23/25 Client provided Approved XXX Exception for having Reserves Less Than Program Minimum But Within XXX% Of Required Reserves | xxx Initial and final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months |
Client Complete |
| 409015856 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: ASSETSPost Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX |
Client Complete | |||||||||||||||
| 409015906 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXXrequired. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; XXX months or $XXX required. |
Client Complete |
| 409015906 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | XXX XXX AUS program used and 1008 in file indicates the loan used DU and was approve/eligible. File is missing the AUS. | 7.9.2025 Client provided DU Approve/Eligible submission #2 submission date XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXXrequired. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; XXX months or $XXX required. |
Client Complete |
| 409015926 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX |
Client Complete | |||||||||||||||
| 409015949 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets: Borrowers have $XXX in reserves. Required reserves are $XXX per AUS findings CFCFS2854: Significant time in profession - xxx Comments: B2 > XXX years same line of work |
Client Complete |
| 409015949 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOR | 6.25.2025 Client provided exception approval for missing VOR | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets: Borrowers have $XXX in reserves. Required reserves are $XXX per AUS findings CFCFS2854: Significant time in profession - xxx Comments: B2 > XXX years same line of work |
Client Complete |
| 409015949 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max XXX% DTI per guides. Qualifying DTI XXX% | 6.25.2025 Client provided exception approval for DTI XXX% (and Lender 1008 DTI XXX%) exceeding guidelines maximum of XXX% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets: Borrowers have $XXX in reserves. Required reserves are $XXX per AUS findings CFCFS2854: Significant time in profession - xxx Comments: B2 > XXX years same line of work |
Client Complete |
| 409015949 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max XXX% LTV per guides for XXX qualifying score Qualifying LTV is XXX% | 6.25.2025 Client provided exception approval for LTV XXX% exceeding guidelines maximum of XXX% with fico score of XXX | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, verified cash reserves and significant time in profession | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets: Borrowers have $XXX in reserves. Required reserves are $XXX per AUS findings CFCFS2854: Significant time in profession - xxx Comments: B2 > XXX years same line of work |
Client Complete |
| 409015957 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
Client Complete | |||||||||||||||
| 409015958 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1749: Additional documented income not used in qualifying - xxx Comments: CoBorrower income docs provided showing additional income not being used to qualify. |
Client Complete |
| 409015958 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing evidence of 2nd Lien HELOC Final CD/HUD to show proceeds of $XXX required for closing. | 6.26.2025 Client provided copy of executed HUD-1 for 2nd Lien HELOC w/Lender XXX verifying receipt of funds to borrower, Subject 2nd lien and subject Final CD reflect these 2nd lien HELOC funds | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1749: Additional documented income not used in qualifying - xxx Comments: CoBorrower income docs provided showing additional income not being used to qualify. |
Client Complete |
| 409015958 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3032 | CLTV Exceeds Guideline Requirement by 10% or more | No | CLTV XXX% exceeds the XXX% max per agency guides. | 6.25.2025 Client provided exception approval for CLTV of XXX% exceed guidelines maximum of XXX% CLTV | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, Fico score XXX with DTI XXX% (Max XXX%) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1749: Additional documented income not used in qualifying - xxx Comments: CoBorrower income docs provided showing additional income not being used to qualify. |
Client Complete |
| 409015958 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3260 | HCLTV Exceeds Guideline Requirement by 10% or more | No | HCLTV XXX% exceeds the XXX% max per agency guides. | 6.25.2025 Client provided exception approval for HCLTV of XXX% exceed guidelines maximum of XXX% HCLTV | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, Fico score XXX with DTI XXX% (Max XXX%) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1749: Additional documented income not used in qualifying - xxx Comments: CoBorrower income docs provided showing additional income not being used to qualify. |
Client Complete |
| 409015962 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXXrequired. |
Client Complete |
| 409015962 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | XXX% DTI; max allowed XXX%. | 6/30 Client provided an approved exception to allow the file with a XXX% DTI | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXXrequired. |
Client Complete |
| 409015962 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | XXX% LTV; max allowed XXX%. | 6/30 Client provided an approved exception to allow the file with an XXX LTV | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; good reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXXrequired. |
Client Complete |
| 409015965 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX with current business since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has $XXX available in reserves; reserves not required by DU. |
Client Complete | |||||||||||||||
| 409015972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x12 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
Client Complete |
| 409015977 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has been at the same residence for XXX years. |
Client Complete |
| 409015977 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Satisfied | B | A | B | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing evidence to verify 3 gift fund sources totaling $XXX have been transferred to the borrower's account or from the donor's account to the closing agent; transaction details for gift checks provided do not reflect a borrower account or evidence that they have been received by closing. | 6.27.2025 Client provided XXX#XXX print out however no identity of ownership of this account, file have no XXX bank statements, condition remains to support Borrower is the owner of this account #XXX w/XXX. Initial condition remains 7.1.2025 Client provided LOX for review to consider without additional documentation. Response, XXX print out provided #XXX even though no identity however do reflect the receipt of 3 gift funds of $XXX, $XXX and $XXX and appears XXX # is not being used for transaction, funds possibly will be transferred out of XXX to other account or to closing. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has been at the same residence for XXX years. |
Client Complete |
| 409015977 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | XXX% DTI exceeds the Agency Program maximum of XXX%. | 6/26 Client provided an approved exception to allow the file with a DTI of XXX | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has been at the same residence for XXX years. |
Client Complete |
| 409015983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: ASSETSPost Close Assets are $ XXX or XXX months of PITIAXXX reserves required for LP AUS |
Client Complete |
| 409015983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max DTI per guidelines is XXX%Qualifying DTI is XXX%, due to differing income calc on B1 income | 6.30.2025 Client provided exception approval for DTI XXX% exceeding guidelines maximum of XXX% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: ASSETSPost Close Assets are $ XXX or XXX months of PITIAXXX reserves required for LP AUS |
Client Complete |
| 409015983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | LCA score of 3.0 does not support appraised value Provide Missing updated valuation Value not yet supported. May be subject to additional conditions upon review. | 7/1 Client provided a CDA supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: ASSETSPost Close Assets are $ XXX or XXX months of PITIAXXX reserves required for LP AUS |
Client Complete |
| 409015984 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections E, F, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX Median FICO > XXXX points above guideline program minimum of XXX. |
Client Complete |
| 409015984 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD. | 06/30/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX Median FICO > XXXX points above guideline program minimum of XXX. |
Client Complete |
| 409015984 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Per XXX tracking and XXX doc in file, initial CD was issued on XXX but is missing. Pending receiving initial CD acknowledged by borrower min XXX days prior to closing. | 06/30/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX Median FICO > XXXX points above guideline program minimum of XXX. |
Client Complete |
| 409015994 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months |
Client Complete |
| 409015995 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application Date XXX, missing initial LE disclosed to borrower within XXX business days of application date | 06/30/25 Client provided the missing XXX Initial LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX % LTV; XXX% max allowed. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409015995 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | XXX qualifying score; XXX minimum required. | 6/30 Client provided an approved exception to allow the file with a XXX score | xxx final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX % LTV; XXX% max allowed. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
Client Complete |
| 409016002 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the original appraisal value of $XXX | 7/1 Client provided a CDA supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 at current employment XXX years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% |
Client Complete |
| 409016074 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Cash reserves of $XXX of XXX months PITI exceed guidelines. |
Client Complete |
| 409016074 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard Insurance Policy dwelling coverage $XXX+ $XXX (additional XXX%) + $XXX (other structures) =$XXX which is insufficient coverage. Required coverage is $XXX | 7.15.2025 Client provided HOI estimated replacement cost worksheet, HOI reflect sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Cash reserves of $XXX of XXX months PITI exceed guidelines. |
Client Complete |
| Client Name: | ||||
| Client Project Name: | SEMT 2025-8 | |||
| Start - End Dates: | 3/10/2025 - 7/15/2025 | |||
| Deal Loan Count: | 284 | |||
| Conditions Report 2.0 | ||||
| Loans in Report: | 284 | |||
| Loans with Conditions: | 213 | |||
| Loan Number | TRID Indicator | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Did Lender Acknowledge Exception at Origination |
| 409008269 | Yes | XXXXXX | XXXXXX | C | B | C | A | B | B | B | B | C | B | C | A | B | B | B | B | Yes |
| 409008657 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409008785 | Yes | XXXXXX | XXXXXX | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Not Applicable |
| 409008833 | Yes | XXXXXX | XXXXXX | D | B | D | B | D | B | C | A | D | B | D | B | D | B | C | A | Not Applicable |
| 409008841 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | No |
| 409008879 | Yes | XXXXXX | XXXXXX | D | B | B | B | A | A | D | B | D | B | B | B | A | A | D | B | Yes |
| 409008900 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 409008909 | Yes | XXXXXX | XXXXXX | D | B | A | A | D | B | D | B | D | B | A | A | D | B | D | B | Yes |
| 409008982 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409009037 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409009090 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 409009096 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Not Applicable |
| 409009131 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409009189 | Yes | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Not Applicable |
| 409009200 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409009205 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 409009305 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409009314 | Yes | XXXXXX | XXXXXX | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Not Applicable |
| 409009520 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409009532 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409009541 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| 409009564 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| 409011446 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409011497 | Yes | XXXXXX | XXXXXX | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Not Applicable |
| 409011516 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409011526 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409011530 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409011532 | Yes | XXXXXX | XXXXXX | D | B | C | A | D | B | B | B | D | B | C | A | D | B | B | B | Yes |
| 409011626 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| 409011628 | Yes | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Not Applicable |
| 409011631 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 409011633 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409011640 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Yes |
| 409011737 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 409011745 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409011752 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409011762 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409011764 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 409011766 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409011777 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409011895 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| 409011919 | Yes | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No |
| 409011924 | Yes | XXXXXX | XXXXXX | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Not Applicable |
| 409011935 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | No |
| 409011959 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409011972 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409011977 | Yes | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable |
| 409012023 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012041 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409012050 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409012057 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012060 | Yes | XXXXXX | XXXXXX | D | B | D | B | C | B | D | A | D | B | D | B | C | B | D | A | No |
| 409012082 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409012084 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012085 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012087 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012106 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409012197 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 409012207 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409012209 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| 409012242 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409012244 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012267 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409012275 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409012300 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409012306 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012310 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| 409012316 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012347 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | No |
| 409012427 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012467 | Yes | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable |
| 409012468 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012473 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409012478 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012499 | Yes | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable |
| 409012515 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409012554 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012576 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 409012577 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409012578 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012604 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409012608 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012734 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409012737 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409012748 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012778 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409012791 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Yes |
| 409012805 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409012814 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409012815 | Yes | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 409012837 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012840 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409012843 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409012854 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012875 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable |
| 409012902 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012967 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409012970 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409012988 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013017 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| 409013023 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409013033 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013039 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable |
| 409013043 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013058 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| 409013061 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| 409013068 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 409013076 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409013079 | Yes | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Yes |
| 409013080 | Yes | XXXXXX | XXXXXX | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | No |
| 409013082 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409013083 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409013085 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409013086 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013089 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 409013099 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| 409013116 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 409013142 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409013158 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013177 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409013180 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013193 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409013194 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409013211 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409013216 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013270 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 409013278 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409013280 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 409013293 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No |
| 409013330 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013335 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013343 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409013350 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409013365 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013369 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013450 | Yes | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Not Applicable |
| 409013502 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409013519 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409013522 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013531 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Not Applicable |
| 409013540 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409013543 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409013549 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013557 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409013558 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013574 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409013598 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409013602 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013606 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409013620 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013621 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013628 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013630 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| 409013637 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013639 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 409013647 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 409013672 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 409013758 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409013769 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409013780 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409013782 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409013785 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013794 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013812 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409013831 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013844 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409013852 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013869 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013902 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013914 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409013916 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013918 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409013922 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409013931 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409013938 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013956 | Yes | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 409013965 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013972 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013978 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013993 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013994 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409014002 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409014003 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014009 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014050 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409014052 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | No |
| 409014062 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014084 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409014104 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409014114 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014132 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409014156 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014182 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014184 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| 409014213 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409014226 | Yes | XXXXXX | XXXXXX | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Not Applicable |
| 409014228 | Yes | XXXXXX | XXXXXX | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | No |
| 409014250 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409014273 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014294 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409014305 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 409014672 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409014679 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014690 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014691 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409014898 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409014906 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015012 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015013 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 409015014 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409015016 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | C | B | D | B | D | B | A | A | C | B | Not Applicable |
| 409015017 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015018 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015019 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015022 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015026 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015027 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 409015028 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015031 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015032 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409015033 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015034 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015035 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015036 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015038 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 409015039 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015040 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409015041 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 409015042 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 409015044 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015045 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015046 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015047 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015048 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 409015051 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| 409015053 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409015056 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015088 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409015093 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015098 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015106 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409015120 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015132 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 409015150 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015160 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015185 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015186 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015203 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015212 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409015215 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015426 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015428 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 409015434 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 409015455 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015478 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409015555 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015611 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015613 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409015650 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015660 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015670 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015686 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015720 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015754 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015772 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 409015784 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409015787 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015853 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409015856 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015906 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015926 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015949 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 409015957 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015958 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 409015962 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 409015965 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015972 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015977 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409015983 | Yes | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Not Applicable |
| 409015984 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409015994 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409015995 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | No |
| 409016002 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 409016074 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |