SAIF SECURITIZATION TRUST 2025-CES1 ABS-15G
Exhibit 99.4 - Schedule 1
| Loan ID | Seller Loan ID |
Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Last Modificed | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Waiver in File? | Unique Finding ID |
| SAIF2025CES3177 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/6/2025 | Open | B | B | B | Compliance | QM | QM Points and Fees | This loan failed the QM points and fees test. | 108900 | redacted | Primary | Refinance | CashOut-Other | 7672 | |||||||||
| SAIF2025CES3177 | D | B | D | A | B | B | N/A | N/A | Credit | 5/6/2025 | 6/3/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Guidelines require that paystubs be provided to cover most recent 30 days. Paystub in file is for 2 weeks. 5/22/2025: Paystub in file states period is from 2/15/2025 to 2/28/2025, which is a 2 week period. Exception remains. 6/3/2025: WVOE provided clearing exception. | 5-16-25-Disagree- we have one paystub that covers 30 days as per requirements | 6/3/2025: WVOE provided clearing exception. | 108900 | redacted | Primary | Refinance | CashOut-Other | 7673 | ||||||
| SAIF2025CES2339 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/9/2025 | 4/9/2025 | Cleared | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that in total cannot increase more than 10% test. Title fees increased from $431 on the Initial LE to $550 on the final CD. A cure of $57.50 or valid COC for increase in fees in required. | 4/9/2025: Title fees properly disclosed, exception cleared. | 50000 | redacted | Primary | Refinance | CashOut-Other | 6993 | |||||||
| SAIF2025CES2334 | D | B | A | A | D | B | N/A | N/A | Valuation | 4/3/2025 | 4/9/2025 | Cleared | A | D | A | Valuation | Value | Value Not supported | AVM Variance of -14.103% which is greater than the 10% variance permitted. Desk Review required. | 4-9-2025: Seller Response: Disagree- we used a full appraisal, the AVM was not leveraged in any way and there is no further requirement for an appraisal | 4-9-2025: Appraisal was completed after AVM with a CU Score of 1. Exception cleared. | 125000 | redacted | Primary | Refinance | CashOut-Other | Yes | 6629 | |||||
| SAIF2025CES2334 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/4/2025 | 4/28/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | Loan failed the 0% tolerance test. State Tax Stamps increased from $280 on the CD dated 3/13/2025 to $437.50 on the final CD. Cure of 157.50 or valid Change of circumstance for fee increase required. 4/9/2025: There is a CD in file dated 3/13/2025 that was generated for the borrower and therefore included in the testing. Exception remains as no valid COC was in file for the CD dated 3/17/2025 increase of transfer taxes. 4/14/2025: CD in file does not indicate it is a draft and was in the file, therefore must be included in Compliance review. Exception remains. | 4/9/2025: Seller Response: Disagree - No CD was sent on 3/13/25, first CD was sent 3/17/25. All CD's show a charge of $437.50. Initial LE on 03/03/25 was $600, LE 3/7/25 was $440. Fees reduced, not increased 4/14/2025: Seller Response: There is some confusion based on the documents that were in the loan file provided to you, but the 3/13 CD that you are referencing is not a borrower facing CD, it is a Prelim CD produced by PHH and sent to the closing agent to begin the verification of fees (CDs sent to the borrower have bar codes at the bottom of the page and the version to closing agents do not) . Our Initial CD to the borrower was sent on 3/17, and as our previous comments indicate, the State tax Stamps were disclosed appropriately. | 4/28/2025: LOE sent and tracking information provided showing the CD dated 3/13/2025 was not sent to the borrower Exception Cleared. | 125000 | redacted | Primary | Refinance | CashOut-Other | Yes | 6638 | |||||
| SAIF2025CES2334 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/28/2025 | 5/5/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | Loan failed the 0% tolerance test. Retesting was completed removing CD dated 3/13/2025. Discount points increased from on the initial LE $2,172.00 to $5581.25 on the final CD an increase of 3,409.25. Valid Change of circumstance needed for increase. | 5/5/2025: Valid COC provided clearing exception. | 125000 | redacted | Primary | Refinance | CashOut-Other | Yes | 7405 | ||||||
| SAIF2025CES2334 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/5/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 125000 | redacted | Primary | Refinance | CashOut-Other | 7612 | |||||||||
| SAIF2025CES2334 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/5/2025 | Open | B | B | B | Compliance | QM | QM Points and Fees | This loan failed the QM points and fees test | 125000 | redacted | Primary | Refinance | CashOut-Other | 7613 | |||||||||
| SAIF2025CES2358 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/18/2025 | 4/28/2025 | Open | B | B | B | Compliance | Documentation | Delivery Failure | This loan failed the revised closing disclosure delivery date test (no waiting period required). The revised closing disclosure delivery does not require a new waiting period and the isclosure delivery date is provided and the revised closing disclosure method of delivery is marked "USPS First Class Mail" | 175000 | redacted | Primary | Refinance | CashOut-Other | 7271 | ||||||||
| SAIF2025CES2358 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/18/2025 | 4/28/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $3000 on the Initial LE dated 3/3/2025 to $3500.00 on CD dated 4/04/2025. A reimbursement of $500 or a valid change of circumstance is required to cure the failure. | 4/28/2025: LE and documentation showing loan amount increase on 03/14/2025 provided clearing exception. | 175000 | redacted | Primary | Refinance | CashOut-Other | 7272 | |||||||
| SAIF2025CES2358 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/28/2025 | 4/28/2025 | Open | B | B | B | Compliance | QM | QM Points and Fees | This loan failed the QM points and fees test. | 175000 | redacted | Primary | Refinance | CashOut-Other | 7409 | ||||||||
| SAIF2025CES2358 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/28/2025 | 4/28/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 175000 | redacted | Primary | Refinance | CashOut-Other | 7410 | ||||||||
| SAIF2025CES2343 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/8/2025 | 4/10/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing Documentation - Miscellaneous | Loan failed the rate lock test. Rate lock was not provided. | 4/10/2025: Rate lock provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 6979 | |||||||
| SAIF2025CES2336 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/6/2025 | 4/9/2025 | Cleared | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the lender credits that cannot decrease test. Lender Credit on the LE of $100 was decreased to $0 on the final CD without a valid Change of Circumstance documented in the loan file. | 4/9/2025: Seller response: Disagree - Initial LE was not locked on 03/04/25, Rate lock LE on 3/5/25 removes the Lender credit. This is a valid COC due to ratel ock. | 4/9/2025: Documentation provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 6776 | ||||||
| SAIF2025CES2356 | D | B | D | A | B | B | N/A | N/A | Credit | 4/22/2025 | 5/5/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Missing Flood Certificate | 5/5/2025: flood Certification provided clearing exception. | 133800 | redacted | Primary | Refinance | CashOut-Other | 7288 | |||||||
| SAIF2025CES2356 | D | B | D | A | B | B | N/A | N/A | Compliance | 4/22/2025 | 5/5/2025 | Open | B | B | B | Compliance | QM | QM Points and Fees | This loan failed the QM points and fees test. | 133800 | redacted | Primary | Refinance | CashOut-Other | 7291 | ||||||||
| SAIF2025CES2356 | D | B | D | A | B | B | N/A | N/A | Compliance | 4/22/2025 | 5/5/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test | 133800 | redacted | Primary | Refinance | CashOut-Other | 7292 | ||||||||
| SAIF2025CES2351 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/15/2025 | 4/28/2025 | Open | B | B | B | Compliance | TRID | Delivery Failure | This loan failed the initial closing disclosure delivery date test. Delivery is USPS and was less than six business days before the consummation date. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7216 | ||||||||
| SAIF2025CES2351 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/15/2025 | 4/28/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $879.00 on the Initial Loan Estimate dated 3/5/25 to $1779.00 on the Final CD and Transfer Taxes increased from $275 on the initial Loan Estimate dated 3/5/25 to $330 on the Final CD. A reimbursement of $955.00 or a valid change of circumstance dated within 3 days of the increase is required. | 4/28/2025: Revised LE with Lock provided clearing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7217 | |||||||
| SAIF2025CES2340 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/7/2025 | 4/10/2025 | Cleared | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that in total cannot increase more than 10% test. The Title - Title Search Abstract to the CD dated 3/21/25, Title - Tax Certificate and Title - Closing Protection Letter to the CD dated 3/24/25 were added without Valid Change of Circumstances. A reimbursement of $13.00 or a valid change of circumstance is required to cure the failure. | 4/9/2025: Seller comments: Agree- Underdisclosure of fees, cure will be issued to the borrower. | 4/14/2025: Exception cleared. - Valid COC provided | 75000 | redacted | Primary | Refinance | CashOut-Other | 6877 | ||||||
| SAIF2025CES2340 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/7/2025 | 4/10/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing Documentation - Miscellaneous | This loan failed the date the rate was set validation test. The rate lock date documentation was not provided. Copy of rate lock needed for full compliance review. | 4/10/2025 - rate lock provided clearing exception. | 75000 | redacted | Primary | Refinance | CashOut-Other | 6878 | |||||||
| SAIF2025CES3179 | D | A | D | A | A | A | N/A | N/A | Credit | 5/13/2025 | 6/3/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Missing Documentation - Miscellaneous | Missing paystubs covering 30-day period dated no earlier than 60 days prior to closing per guidelines. Most recent paystub in file is dated 2/28/25. | 6/3/2025: WVOE provided to support income clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 8926 | |||||||
| SAIF2025CES3179 | D | A | D | A | A | A | N/A | N/A | Credit | 5/14/2025 | 6/3/2025 | Cleared -Trailing Doc | A | D | A | Credit | Employment | Missing Documentation - Miscellaneous | Missing Letter of Explanation from borrower regarding variance in employer names from application, paystub, and W2. Paystub/W2 reflect Walsh Construction Company II, 1003 reflects Archer Western. VOE employer name is The Walsh Group. | 6/3/2025: Documentation provided showing both the same company. Finding cleared. | 50000 | redacted | Primary | Refinance | CashOut-Other | 8964 | |||||||
| SAIF2025CES2346 | D | A | D | A | A | A | N/A | N/A | Credit | 4/6/2025 | 4/10/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Missing complete copy of paystub from Swan Lake Holdings LLC. Paystub copy provided incomplete. | redacted | 4/9/2025: copy of paystub provided clearing exception | 50000 | redacted | Primary | Refinance | CashOut-Other | 6778 | ||||||
| SAIF2025CES2346 | D | A | D | A | A | A | N/A | N/A | Credit | 4/7/2025 | 4/10/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Missing copy of first lien note | 4/10/2025: copy of first lien note received clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 6784 | |||||||
| SAIF2025CES2341 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/7/2025 | 4/8/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Disaster Inspection Fee was added to the LE dated 3/14/25 without a valid Change of Circumstance. A cure of $200.00 or valid COC for increase is required to cure the failure. 4/9/2025: Appraisal fee and Disaster Inspection Fee were both disclosed on the LE dated 3/14/2025 and are separate fees paid to separate parties if both are fees at charged to the borrower at closing and are considered separate fees in compliance testing. A valid Change of circumstance form is required for an increase in fees and was not provided. Finding remains. 4/14/2025: While we understand the disaster process, the disaster inspection fee and the appraisal fee are two separate items paid to two different parties, therefore would require a change of circumstance to be created when the new fee is being charged. Exception remains |
4/9/2025: Seller Comments: Disagree - an appraisal fee was disclosed to the borrower due to a condition added by the UW on 3/14. On 3/20, the appraisal fee was revised to a Diaster fee, as that was the specific report required by the UW. Underdisclosure is not accurate. 4/11/2025: Seller Comment 4/11--PHH has a Disaster alert process that once a loan reaches our setup milestone, which occurred on 3/13 on this loan, it is reviewed to determine whether the property is located within a designated FEMA disaster area or one that is being monitored. The property on this loan is located in Cabarrus County NC, which was impacted by tropical storm Helene, and as a result a Disaster inspection is ordered and disclosed to the borrower, which occurred on 3/14. The Appraisal that was disclosed on 3/14 was in error and was ultimately not charged. | . 4/28/2025: Documentation provided showing fee increase on 3/14/2025 clearing exception. | 52000 | redacted | Primary | Refinance | CashOut-Other | 6780 | ||||||
| SAIF2025CES2367 | D | B | D | A | D | B | N/A | N/A | Credit | 4/24/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | File Missing W2 for 2024 from borrower's employer Bute Valley that is listed on application that borrower was employed at from 01/01/2024-06/30/2024. | Seller response: 5/2/25 -- under review | 5/13/2025: Missing W2 provided clearing exception. | 96000 | redacted | Primary | Refinance | CashOut-Other | 7316 | ||||||
| SAIF2025CES2367 | D | B | D | A | D | B | N/A | N/A | Compliance | 4/24/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing Documentation - Miscellaneous | This loan failed the date the rate was set validation test. Documentation of rate lock was not provided. | 5/5/2025: Rate lock provided clearing exception. | 96000 | redacted | Primary | Refinance | CashOut-Other | 7318 | |||||||
| SAIF2025CES2367 | D | B | D | A | D | B | N/A | N/A | Compliance | 4/24/2025 | 5/13/2025 | Open | B | B | B | Compliance | State | State Violation | This loan failed the CA AB 260 higher-priced mortgage loan test | 96000 | redacted | Primary | Refinance | CashOut-Other | 7322 | ||||||||
| SAIF2025CES2367 | D | B | D | A | D | B | N/A | N/A | Compliance | 4/24/2025 | 5/13/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test | 96000 | redacted | Primary | Refinance | CashOut-Other | 7323 | ||||||||
| SAIF2025CES2344 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/7/2025 | 5/5/2025 | Open | B | B | B | Compliance | QM | QM Points and Fees | This loan failed the QM points and fees test. Fees of $4483.90 exceeds maximum permitted of $4045. Difference of $438.90. | 98000 | redacted | Primary | Refinance | CashOut-Other | 6781 | ||||||||
| SAIF2025CES2344 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/7/2025 | 5/5/2025 | Cured | B | D | B | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Points increased from $1887 on the LE dated 3/10/2025 to 3483.90 and Appraisal increased from $615 to $665 on the final CD without a valid change of circumstance in the file. Total tolerance violation of $1646.90. 4/28/2025: Tracking and Post-closing CD received, missing copy of check sent to borrower to clear exception. | 4/9/2025: Seller Comments: Agree - DTI increased over 35% LLPA adjustment and was not disclosed timely. Tolerance cure will be issued to the borrower. | 5/5/2025: Copy of Check provided curing exception | 98000 | redacted | Primary | Refinance | CashOut-Other | 6782 | ||||||
| SAIF2025CES2386 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 5/13/2025 | Open | B | B | B | Compliance | State | State Violation | This loan failed the CA AB 260 higher-priced mortgage loan test. | $68,000.00 | redacted | Primary | Refinance | CashOut-Other | 7477 | ||||||||
| SAIF2025CES2386 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 5/13/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 68000 | redacted | Primary | Refinance | CashOut-Other | 7478 | ||||||||
| SAIF2025CES2386 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1336.00 on the Initial LE dated 3/13/25 to $2356.00 on the LE dated 03/19/2025. A reimbursement of $1,020.20 or a valid change of circumstance is required to cure the failure. | 5/13/2025: Rate lock provided clearing exception. | 68000 | redacted | Primary | Refinance | CashOut-Other | 7479 | |||||||
| SAIF2025CES2386 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the date the rate was set validation test. The rate lock date was not provided. | 5/13/2025: Rate lock provided clearing exception. | 68000 | redacted | Primary | Refinance | CashOut-Other | 7480 | |||||||
| SAIF2025CES2386 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/13/2025 | 5/13/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 10.284%. The APR threshold to qualify for a safe harbor is 9.810%. | 68000 | redacted | Primary | Refinance | CashOut-Other | 8912 | ||||||||
| SAIF2025CES2390 | D | A | D | A | D | A | N/A | N/A | Valuation | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Valuation | Documentation | Missing Documentation - Miscellaneous | AVM confidence score of 84. Guidelines require confidence score of 90 or greater on files where only the AVM is being used. | 5/13/2025: Copy of full appraisal provided clearing exception. | 54000 | redacted | Primary | Refinance | CashOut-Other | 7509 | |||||||
| SAIF2025CES2390 | D | A | D | A | D | A | N/A | N/A | Credit | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | 1008 is missing from the file. | 5/13/2025: 1008 provided clearing exception. | 54000 | redacted | Primary | Refinance | CashOut-Other | 7511 | |||||||
| SAIF2025CES2390 | D | A | D | A | D | A | N/A | N/A | Compliance | 5/2/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $715 to $1412.10 on the Final CD. A reimbursement of $777.10 or a valid change of circumstance is required to cure the exception. | Seller Response: 5/9/2025--Disagree with amount - On 3/14 DTI increases to above the applicable threshold for LLPA's however the increased price was not disclosed to the borrower until 4/8 on the initial CD. Cure amount $562.50. Later in the day on 4/8, the loan amount increased which increased the discount points. This was a valid change of circumstance. On 4/20 a rate lock extension was requested and the increased discount points was disclosed to the borrower on 4/22/2025. Please see attached documentation. Refund: $562.50. Document uploaded to OneDiligence portal | 5/13/2025: Change of Circumstance provided showing borrower requested a loan amount increase on 4/6/2025 resulting in a increase on the discount points to $1379.70. Final CD shows discount points of $1412.10. Tolerance violation of $32.40 still exists. Valid COC showing rate lock extension on 4/20 required to clear exception. 5/22/2025: Rate lock extension on 4/20/2025 provided clearing exception. | 54000 | redacted | Primary | Refinance | CashOut-Other | 7536 | ||||||
| SAIF2025CES2366 | D | B | A | A | D | B | N/A | N/A | Valuation | 4/24/2025 | 5/29/2025 | Waived | B | D | B | Valuation | Value | Value Not supported | Missing secondary valuation required for securitization. Loan not eligible for R&W and No CU score provided. | 5/5/2025: Waived by client | 50000 | redacted | Primary | Refinance | CashOut-Other | Yes | 7319 | ||||||
| SAIF2025CES2366 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/24/2025 | 5/29/2025 | Cured | B | D | B | Compliance | TRID | Tolerance Violation | This loan failed the charges that in total cannot increase more than 10% test. Title - Other Title Fees were added to the CD Dated 04/03/2025 and Recording Fee Increased from $337.00 on the LE Dated 03/12/2025 to $420.85 on the Final CD . A reimbursement of $4.65 or valid Change of circumstance for the fee increases is required to cure the failure. 5/5/2025: Change of circumstance documentation showing fee increase required along with the LEs and CD. Exception remains. | Seller Response: 4/30/25--The Recording fee increased during the processing of the loan as a result of receipt of several preliminary CD's from the closing agent. We received the 1st prelim cd on 4/3, which increased the fee to $396.85, and we disclosed a revised LE on 4/3. We also received a preliminary CD on 4/15 showng an increase of the recording fee to $420.85, which was disclosed on the Final CD dated the same day. Copies of the Prelim CD's and the Revised LE uploaded to portal to document the change of circumstance and the timely re-disclosure. | 5/13/2025: Post closing CD, Check and letter provided showing cure of $273 to be sent to the borrower. Missing evidence it was sent to the borrower in order to cure exception. . 5/29/2025: Evidence borrower received check provided curing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7342 | ||||||
| SAIF2025CES2366 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/24/2025 | 5/29/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7343 | ||||||||
| SAIF2025CES2366 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/24/2025 | 5/29/2025 | Open | B | B | B | Compliance | State | State Violation | This loan failed the CA AB 260 higher-priced mortgage loan test. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7344 | ||||||||
| SAIF2025CES2350 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/15/2025 | 4/28/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Loan Origination Fee increased from $1360.00.00 on the LE dated 3/18/2025 to $1400.00 on the final CD dated 04/03/25, Loan Amount Points increased from $462.00 on the LE dated 3/18/2025 to $476.00 on the final CD dated 04/03/25. Transfer Taxes increased from $204.00 on the LE dated 3/18/2025 to $210.00 on the final CD dated 04/03/25. A reimbursement of $60.00 or valid Change of circumstance for the fee increases is required to cure the failure. 4/17/2025: While a screen print was provided from Encompass showing the loan amount increase, a change of circumstance form is required to be provided to the borrower show why the disclosure was redisclosed. Exception remains. | 4/17/25--The Loan amount changed from $68,000 to $70,000 on 4/1, and was disclosed on 4/2, this valid COC caused the small increase to the fees based on loan amount percentage. Change of Circumstance details uploaded to OneDiligence portal. | 4/28/2025: Documentation provided showing loan amount increase on 4/1/2025 for valid change of circumstance clearing exception. | 70000 | redacted | Primary | Refinance | CashOut-Other | 7211 | ||||||
| SAIF2025CES2377 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/29/2025 | 6/3/2025 | Cured | B | D | B | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Appraisal Fee of $665 was not disclosed on the LEs in the file. Cure of $665 or valid change of circumstance required. | Seller Response: 5/9/2025: Agree, a cure will be provided. Seller Response: 05/21/2025: Awaiting the check | 6/3/2025: Documentation provided curing exception. | 64120 | redacted | Primary | Refinance | CashOut-Other | 7420 | ||||||
| SAIF2025CES2377 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/29/2025 | 6/3/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. | 64120 | redacted | Primary | Refinance | CashOut-Other | 7421 | ||||||||
| SAIF2025CES2377 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/29/2025 | 6/3/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 10.888%. The APR threshold to qualify for a safe harbor is 9.810% | 64120 | redacted | Primary | Refinance | CashOut-Other | 7422 | ||||||||
| SAIF2025CES2348 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/10/2025 | 4/28/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Loan Discount fees increased from $1608.00 on the LE dated 3/13/2025 to $1876.00 on the final CD. A reimbursement of $468.00 or valid Change of circumstance for the fee increase is required to cure the failure. | 4/28/2025: Documentation provided showing change of circumstance of loan amount increase on 3/20/2025 clearing exception. | 70000 | redacted | Primary | Refinance | CashOut-Other | 7105 | |||||||
| SAIF2025CES2368 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/23/2025 | 5/20/2025 | Cured | B | D | B | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Loan Discount Fee increased from $1474.00 on the LE dated 3/19/2025 to $2138.18 on the final CD and Appraisal Fee Increased from $545.00 on the LE Dated 03/13/2025 to $595.00 on the Final CD . A reimbursement of $714.18 or valid Change of circumstance for the fee increases is required to cure the failure. Seller Response: | 4/30/25--Agree, a cure will be provided. | 5/20/2025: Cure provided. | 86391 | redacted | Primary | Refinance | CashOut-Other | 7311 | ||||||
| SAIF2025CES2368 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/24/2025 | 5/20/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 86391 | redacted | Primary | Refinance | CashOut-Other | 7320 | ||||||||
| SAIF2025CES2368 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/24/2025 | 5/20/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan failed the QM APR test. | 86391 | redacted | Primary | Refinance | CashOut-Other | 7321 | ||||||||
| SAIF2025CES2349 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/10/2025 | 4/15/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Loan Origination Fee increased from $1762.00.00 on the LE dated 3/13/2025 to $1862.20 on the final CD dated 04/03/25. A reimbursement of $100.20 or valid Change of circumstance for the fee increase is required to cure the failure. | 4/15/2025: Seller Comments: 4/14/25--There was a loan amount change on 3/36/25 that resulted in a Discount point increase, that change was re-disclosed to the borrower on the Intital CD on 3/28. Documentation uploaded to OneDiligence portal. | 4/15/2025: Documentation provided showing borrower requested a loan amount increase on 3/26/2025 resulting in a fee increase. Exception cleared. | 93110 | redacted | Primary | Refinance | CashOut-Other | 7111 | ||||||
| SAIF2025CES2375 | D | B | D | A | D | B | N/A | N/A | Valuation | 4/29/2025 | 6/3/2025 | Cleared -Trailing Doc | A | D | A | Valuation | Property | Property Type | Appraisal shows property as a Single Family Residence not in a PUD, title and mortgage show property as PUD. Corrected appraisal needed showing PUD information. S 6/3/2025: Updated title provided showing property is a Single Family residence. Documentation provided showing mortgage also corrected to correct property type. Finding remains. | Seller Reponse: 5/12/25 Remediation pending Seller Response: 06/02/2025 - Revised Title now reflects SFR. Document uploaded to OneDiligence portal 6/3/2025: Updated title provided showing property is a Single Family residence. Documentation provided showing mortgage also corrected to correct property type. Finding remains. Seller Response: 06/11/2025 - Completed - new title uploaded - are they requesting a new Deed be recorded? PUD Rider can be removed. 6/11/2025: Evidence PUD rider removed from recorded mortgage needed to clear finding. Seller Response 6/26/2025: The property is confirmed in a PUD. The title report reflects PUD, we have proof of HOA dues, and the mortgage was recorded properly with the PUD Rider. A revision to the appraisal is pending to show this as a PUD. |
7/8/2025: Updated appraisal received clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7444 | ||||||
| SAIF2025CES2375 | D | B | D | A | D | B | N/A | N/A | Compliance | 4/29/2025 | 6/3/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Appraisal fee of $610 was not disclosed on initial LE. Valid Change of Circumstance or cure of $610 required 6/3/2025 - Cure provided at closing. Exception cleared. | Seller Response: 5/9/2025: Agree, a cure will be provided. Seller Response: Awaiting the check | 5/13/2025: Credit was provided at closing to borrower via the lender paying the flood cert fee. Exception cleared. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7445 | ||||||
| SAIF2025CES2375 | D | B | D | A | D | B | N/A | N/A | Compliance | 4/29/2025 | 6/3/2025 | Cleared | A | A | A | Compliance | TRID | Tolerance Violation | This loan failed the lender credits that cannot decrease test. Lender credit decreased from $6 to $0 on the final CD. Valid Change of Circumstance or cure of $6 required | 5/13/2025: Credit was provided at closing to borrower via the lender paying the flood cert fee. Exception cleared. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7446 | |||||||
| SAIF2025CES2375 | D | B | D | A | D | B | N/A | N/A | Compliance | 4/29/2025 | 6/3/2025 | Cleared -Trailing Doc | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor. The loan has an APR of 10.191%. The APR threshold to qualify for a safe harbor is 9.810%. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7448 | ||||||||
| SAIF2025CES2375 | D | B | D | A | D | B | N/A | N/A | Compliance | 4/29/2025 | 6/3/2025 | Cleared -Trailing Doc | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7449 | ||||||||
| SAIF2025CES2342 | B | B | A | A | B | B | N/A | N/A | Compliance | 4/8/2025 | 4/8/2025 | Open | B | B | B | Compliance | QM | QM | This loan has points and fees that exceed the QM points and fees test. Loan points and fees exceed 3% of the total loan amount. | 106500 | redacted | Primary | Refinance | CashOut-Other | 6887 | ||||||||
| SAIF2025CES2347 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/9/2025 | 4/29/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. An Increase to the Loan Discount Fee on the CD dated 3/26/25 was done without a valid change of circumstance. A reimbursement of $262.20 or a valid change of circumstance is required to cure the failure. 4/17/2025: While a screen print was provided from Encompass showing the rate change a change of circumstance form is required to be provided to the borrower show why the fee was increased. Exception remains. | 4/15/2025: Seller Comments:--Agree with the finding, Remediation is underway. 4/17/2025: Seller Comments: Upon further review review, no remediation is required because the increased to the points was the result of a rate change that lowered the rate for the borrower from the 9.875% that was disclosed on the Initial LE to the 9.750% that was disclosed on the Initial CD, and that disclosure took place on the same day as the rate change. Change of Circumstance details uploaded to OneDiligence portal. | 4/29/2025: COC documentation provided showing rate lowered on 3/26/2025 clearing exception. | 114050 | redacted | Primary | Refinance | CashOut-Other | 6981 | ||||||
| SAIF2025CES3180 | C | B | C | B | D | A | N/A | N/A | Compliance | 5/14/2025 | 6/4/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 125000 | redacted | Primary | Refinance | CashOut-Other | 8990 | ||||||||
| SAIF2025CES3180 | C | B | C | B | D | A | N/A | N/A | Compliance | 5/14/2025 | 6/4/2025 | Open | B | B | B | Compliance | State | State Violation | This loan failed the MA 209 CMR 32.35 higher-priced mortgage loan test | 125000 | redacted | Primary | Refinance | CashOut-Other | 8991 | ||||||||
| SAIF2025CES3180 | C | B | C | B | D | A | N/A | N/A | Compliance | 5/14/2025 | 6/4/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. This loan does not qualify for a safe harbor. The loan has an APR of 10.803%. The APR threshold to qualify for a safe harbor is 10.150%. | 125000 | redacted | Primary | Refinance | CashOut-Other | 8992 | ||||||||
| SAIF2025CES3180 | C | B | C | B | D | A | N/A | N/A | Credit | 5/15/2025 | 6/4/2025 | Waived | B | C | B | Credit | Employment | Employment History | Guidelines require borrowers with employment gaps to have current job for 6 months or more at closing. Borrower has been with current employer 5.5 months at closing. 6/4/2025: The IRS requires all payments to vendors or contractors over $600 to be documented, not the $5000 the borrower stated in the letter of explanation. Borrower also took out several personal unsecured loans during the employment gap, and credit card balances are at 75% of the credit limit, which does not ensure the borrowers consistency with reported income doing freelance work. Borrower's lack of employment documentation from 1/1/2024 to 11/13/2024 and credit history during that time would be considered an employment gap as the income was not documented. Sage guidelines state ''Borrowers who are reentering the work force after an extended absence may have stable employment if the following are met The Borrower has been employed in his or her current job for six months or more; and A two-year work history prior to the absence from the workforce is documented. While the 2 year prior work history was provided showing the borrower as self employed, the 6 month employment was not, therefore the exception remains. | Seller Response: 5-28-25- Disagree this is a defect. Borrower was on the job for 5.5 months but also noted he had done small jobs, not paif via 1099 in the year 2025 so even though he has a gap, he isn't a return to workforce situation where this would apply | 6/23/2025: Post Closing Exception granted by client with compensating factors of LTV of 74%, Credit score of 680, Mortgage history from 2013 with no late payments, Ratios of 19%/33.6%. | LTV of 74%, Credit score of 680, Mortgage history from 2013 with no late payments, Ratios of 19%/33.6%. | 125000 | redacted | Primary | Refinance | CashOut-Other | 9434 | |||||
| SAIF2025CES3180 | C | B | C | B | D | A | N/A | N/A | Credit | 5/15/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Employment | Employment Documentation | Written letters of explanation for employment gaps over 30 days in the last two years must be provided. Borrower has employment gap of 10 months with no LOE in file. | 6/3/2025: Email LOE for employment gap provided clearing exception. | 125000 | redacted | Primary | Refinance | CashOut-Other | 9436 | |||||||
| SAIF2025CES2362 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/25/2025 | 5/20/2025 | Cured | B | D | B | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Points - Loan Discount Fee increased from $443.00 on the LE dated 03/21/2025 to $892.50 on the CD dated 4/8/2025. A reimbursement of $449.50 or valid Change of circumstance evidencing the increase is required to cure the failure | Seller Response: 5/1/25--Agree, a cure will be provided | 5/20*/2025: Cure provided to borrower. | redacted | Primary | Refinance | CashOut-Other | 7370 | |||||||
| SAIF2025CES2362 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/25/2025 | 5/20/2025 | Open | B | B | B | Compliance | TRID | Delivery Failure | This loan failed the initial closing disclosure delivery date test. File does not contain evidence that the borrower received the Initial closing CD less than six business days before the consummation date. The Initial CD was sent to borrower 4/8/2025 which is less then 6 buisness days from closing | redacted | Primary | Refinance | CashOut-Other | 7371 | |||||||||
| SAIF2025CES3181 | C | B | C | A | D | B | N/A | N/A | Compliance | 5/9/2025 | 6/2/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $3092.39 to $3149.34 on the Final CD. A Reimbursement of $56.95 or a valid change of circumstance is required to cure the failure. | 5/22/2025: Documentation of rate lock extension on 4/30/2025 as change of circumstance provided clearing exception. | 113900 | redacted | Primary | Refinance | CashOut-Other | 7866 | |||||||
| SAIF2025CES3181 | C | B | C | A | D | B | N/A | N/A | Compliance | 5/9/2025 | 6/2/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan failed the QM points and fees test | 113900 | redacted | Primary | Refinance | CashOut-Other | 7868 | ||||||||
| SAIF2025CES3181 | C | B | C | A | D | B | N/A | N/A | Credit | 5/9/2025 | 6/23/2025 | Cleared -Trailing Doc | A | C | A | Credit | Credit History | Payment History | HOA statement dated 4/5/2025 in loan file currently shows HOA dues are 90 days past due. No documentation provided showing HOA is current nor were the delinquent dues paid at closing. | Seller Comments: 5-21-25 Remediation pending Seller Comments 6/2/2025: Remediation pending | 6/23/2025: Documentation provided showing HOA fees paid 6/5/2025 clearing exception. | 113900 | redacted | Primary | Refinance | CashOut-Other | 7872 | ||||||
| SAIF2025CES2361 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/25/2025 | 5/29/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that in total cannot increase more than 10% test, because Initial Loan Estimate Delivery Date Test (from application). The Initial LE and service providers disclosure was not provided to borrower within 3 days of the application date of 3/18/25. | 5/5/2025: Initial LE provided clearing exception. | 53400 | redacted | Primary | Refinance | CashOut-Other | 7388 | |||||||
| SAIF2025CES2361 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/25/2025 | 5/29/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test because Initial Loan Estimate Delivery Date Test (from application). The Initial LE was not provided to borrower within 3 days of the application date of 3/18/25. | 5/5/2025: Initial LE provided clearing exception. | 53400 | redacted | Primary | Refinance | CashOut-Other | 7389 | |||||||
| SAIF2025CES2361 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/25/2025 | 5/29/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the initial loan estimate delivery date test (from application). The Initial LE Dated 3/25/25 was not provided to the borrower within 3 days of the application. | 5/5/2025: LE provided clearing exception. | 53400 | redacted | Primary | Refinance | CashOut-Other | 7390 | |||||||
| SAIF2025CES2361 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/25/2025 | 5/29/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the written list of service providers disclosure date test. The written list of service providers disclosure was not provided to borrower within 3 days of the application. 5/5/2025: Service providers list provided clearing exception | 5/5/2025: Service providers list provided clearing exception | 53400 | redacted | Primary | Refinance | CashOut-Other | 7391 | |||||||
| SAIF2025CES2361 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/25/2025 | 5/29/2025 | Open | B | B | B | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the revised closing disclosure delivery date test (no waiting period required). The revised closing disclosure delivery does not require a new waiting period and the isclosure delivery date is provided and the revised closing disclosure method of delivery is marked "USPS First Class Mail" | 53400 | redacted | Primary | Refinance | CashOut-Other | 7392 | ||||||||
| SAIF2025CES2361 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/5/2025 | 5/29/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | **New finding due to additional documentation provided** Loan failed the 0% tolerance test. Discount points increased from $761 to $958.45. Valid Change of circumstance documentation or cure of $197.45 required. | Seller Response: 5/9/2025--Disagree On 4/4 DTI increase caused an LLPA increase and the increased discount point was disclosed to the borrower on 4/9. Please refer to the 4/9 rate lock. Document uploaded to OneDiligence portal 5/13/2025: Change of Circumstance documentation provided showing Points increased on 4/4/2025. Rate lock information provided does not show that any changes were made to it on 4/9/2025. Increase was disclosed on 4/9/2025, which is after the 3 Business day requirement. Exception remains. Seller Comment: 5/15/25 - A business day is described as a day on which the offices of the business entity are open to the pubic for carrying on substantially all of the entity's business functions. (please refer to §1024.2(b)) PHH does not operate the majority of their business functions on a Saturday therefore we do not count Saturday when calculating timing for redisclosures. Please see screen shot of ratelock on 4/9. Document uploaded on Onediligence portal | 5/29/2025: Due to PHH not considering Saturday a business day, point increases were properly disclosed. Exception cleared. | 53400 | redacted | Primary | Refinance | CashOut-Other | 7610 | ||||||
| SAIF2025CES2379 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/30/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | Loan failed the High-Cost Mortgage Date the Rate Was Set Validation Test. Rate Lock date was missing from the loan file. | 5/13/2025: Rate lock provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7474 | |||||||
| SAIF2025CES3182 | D | B | A | A | D | A | N/A | N/A | Compliance | 5/19/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the initial loan estimate delivery date test (from application). The Loan application date is 03/20/2025, however the initial loan estimate dated 4/11/25, was not provided to borrower until within 3 business days of the application. | 6/4/2025: Initial disclosure documentation provided clearing exception | 65000 | redacted | Primary | Refinance | CashOut-Other | 10944 | |||||||
| SAIF2025CES3182 | D | B | A | A | D | A | N/A | N/A | Compliance | 5/19/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the written list of service providers disclosure date test. The written list of service providers disclosure was not provided to the borrower within 3 business days of the application. | 6/4/2025: Initial disclosure documentation provided clearing exception | 65000 | redacted | Primary | Refinance | CashOut-Other | 10948 | |||||||
| SAIF2025CES3182 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/19/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the charges that cannot increase test as a result of failing the written list of service providers disclosure date test and initial loan estimate delivery date test 6/4/2025: Loan continues to fail the 0% charges that cannot increase test. Discount points increased from $1846 on re-lock LE dated 4/22/2025 to $2249 on the final CD. Cure of $403 of change of circumstance for increase in discount points required. | Seller Response: 5/29/25--Disclosure tracking screenshot and Initial disclosure package sent 3/20 uploaded. Document uploaded to OneDiligence portal | 6/4/2025: Initial disclosure documentation provided clearing exception | 65000 | redacted | Primary | Refinance | CashOut-Other | 10953 | ||||||
| SAIF2025CES3182 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/19/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the charges that in total cannot increase more than 10% test as a result of failing the written list of service providers disclosure date test and initial loan estimate delivery date test. | 6/4/2025: Initial disclosure documentation provided clearing exception | 65000 | redacted | Primary | Refinance | CashOut-Other | 10955 | |||||||
| SAIF2025CES3182 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/19/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the homeownership counseling organizations disclosure date test. The homeownership counseling organizations disclosure was not provided to the borrower within 3 business days of the application. 6/4/2025: Initial disclosure documentation provided clearing exception | 6/4/2025: Initial disclosure documentation provided clearing exception | 65000 | redacted | Primary | Refinance | CashOut-Other | 10959 | |||||||
| SAIF2025CES3182 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/19/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 65000 | redacted | Primary | Refinance | CashOut-Other | 10961 | |||||||||
| SAIF2025CES3182 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/19/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Recission | Missing Documentation - Miscellaneous | Notice of right to cancel is not signed by the non borrowing spouse. | 6/4/2025: Right to cancel provided clearing exception. | 65000 | redacted | Primary | Refinance | CashOut-Other | 10969 | |||||||
| SAIF2025CES3182 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/19/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 10.277%. The APR threshold to qualify for a safe harbor is 9.820%. | 65000 | redacted | Primary | Refinance | CashOut-Other | 13850 | |||||||||
| SAIF2025CES2382 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 6/4/2025 | Cured | B | D | B | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Appraisal Fee increased from $655.00 on the LE dated 03/21/2025 to $1,049.00 on the LE dated 4/3/25. A Reimbursement of $384.00 or a valid change of circumstance is required to cure the failure. | Seller Response: 5/9/2025: Agree, a cure will be provided. Seller Response: 05/21/2025: Awaiting the check | 6/4/2025: Documentation showing tolerance violation was cured post closing. Exception cured. | 115000 | redacted | Primary | Refinance | CashOut-Other | 7490 | ||||||
| SAIF2025CES2382 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 6/4/2025 | Open | B | B | B | Compliance | State | State Violation | This loan failed the CA AB 260 higher-priced mortgage loan test | 115000 | redacted | Primary | Refinance | CashOut-Other | 7491 | ||||||||
| SAIF2025CES2382 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 6/4/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 115000 | redacted | Primary | Refinance | CashOut-Other | 7492 | ||||||||
| SAIF2025CES2382 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the date the rate was set validation test. Rate lock date was not provided. | 5/13/2025: Rate lock provided clearing exception. | 115000 | redacted | Primary | Refinance | CashOut-Other | 7493 | |||||||
| SAIF2025CES2382 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/13/2025 | 6/4/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 9.969%. The APR threshold to qualify for a safe harbor is 9.840%. | 115000 | redacted | Primary | Refinance | CashOut-Other | 8911 | ||||||||
| SAIF2025CES2355 | B | B | A | A | B | B | N/A | N/A | Compliance | 4/15/2025 | Open | B | B | B | Compliance | TRID | Delivery Failure | This loan failed the initial closing disclosure delivery date test. Initial closing disclosure in file method of delivery is USPS Mail was datedd less than 6 business days before consummation. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7215 | |||||||||
| SAIF2025CES2365 | B | B | A | A | B | B | N/A | N/A | Compliance | 4/24/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 53350 | redacted | Primary | Refinance | CashOut-Other | 7349 | |||||||||
| SAIF2025CES3183 | D | A | D | A | A | A | N/A | N/A | Credit | 5/7/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | 1008 Is missing from the file. | 5/22/2025: 1008 provided clearing exception. | 80000 | redacted | Primary | Refinance | CashOut-Other | 7720 | |||||||
| SAIF2025CES3183 | D | A | D | A | A | A | N/A | N/A | Credit | 5/7/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | File Missing Two Pay Stubs for co-borrower Covering the most recent 30-day period as required by guidelines | 5/22/2025: WVOE provided clearing exception. | 80000 | redacted | Primary | Refinance | CashOut-Other | 7741 | |||||||
| SAIF2025CES3183 | D | A | D | A | A | A | N/A | N/A | Credit | 5/7/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | File Missing W-2 Statements for co-borrower covering the most recent 2 year period as required by guidelines | 5/22/2025: WVOE provided clearing exception. | 80000 | redacted | Primary | Refinance | CashOut-Other | 7742 | |||||||
| SAIF2025CES3184 | D | A | D | A | A | A | N/A | N/A | Credit | 5/6/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Deed of Trust missing PUD rider. Property verified to be a PUD per title search and first lien mortgage having a PUD rider attached to it. | 5/22/2025: Updated title search provided showing property as an SFR not a PUD clearing exception . | 68000 | redacted | Primary | Refinance | CashOut-Other | 7674 | |||||||
| SAIF2025CES3184 | D | A | D | A | A | A | N/A | N/A | Credit | 5/6/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | File missing Two Pay Stubs covering the most recent 30-day period as required by guidelines. Paystub in file shows earnings from 3/2-3/15/2025. The guidelines state : YTD earnings must cover the most recent 30-day period; in the event one pay stub covers the most recent 30 day period, one pay stub shall suffice. These are two separate items and should be looked at individually, thus paystubs covering a 30 day period must be provided. Exception remains. | Seller Response: 5/15/2025: Disagree; we just need to have one or more paystubs that show at least 30 days of earnings which is available in File; now uploaded to folder. Document uploaded on OneDiligence portal 5/22/2025: | 6/4/2025: Post closing WVOE provided clearing exception. | 68000 | redacted | Primary | Refinance | CashOut-Other | 7675 | ||||||
| SAIF2025CES2352 | D | A | A | A | D | A | N/A | N/A | Compliance | 4/16/2025 | 6/4/2025 | Cleared | A | D | A | Compliance | TRID | Delivery Failure | This loan failed the initial closing disclosure delivery date test. The initial closing disclosure receipt date is provided and the initial closing disclosure delivery date is less than three business days before the consummation date. | 6/4/2025: Finding cleared. | 95000 | redacted | Primary | Refinance | CashOut-Other | 7218 | |||||||
| SAIF2025CES2393 | D | B | D | A | D | B | N/A | N/A | Credit | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Missing 1008 from loan file. | 5/13/2025: 1008 provided clearing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7503 | |||||||
| SAIF2025CES2393 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/2/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | Missing final Closing disclosure provided to the borrower at closing. | 5/13/2025: Final CD provided clearing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7547 | |||||||
| SAIF2025CES2393 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/2/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Flood Cert fee of $6.00 was not disclosed on the LE but charged per the CD on 4/21/2025. Valid COC or reimbursement of $6 required. | 5/13/2025: final CD provided showing no Flood Cert fee being charged to borrower clearing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7569 | |||||||
| SAIF2025CES2393 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/2/2025 | 5/13/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7570 | ||||||||
| SAIF2025CES2393 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/2/2025 | 5/13/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor. The loan has an APR of 10.429%. The APR threshold to qualify for a safe harbor is 9.840% | 60000 | redacted | Primary | Refinance | CashOut-Other | 7571 | ||||||||
| SAIF2025CES2384 | D | A | A | A | D | A | N/A | N/A | Compliance | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that in total cannot increase more than 10% test as a result of the loan failing the initial loan estimate delivery date test (from application). A reimbursement of $860.00 or documentation showing initial loan estimate was sent to borrower within 3 days of application is required to cure the failure. | 5/13/2025: Initial LE provided showing no 10% tolerance violations clearing exception. | 100000 | redacted | Primary | Refinance | CashOut-Other | 7496 | |||||||
| SAIF2025CES2384 | D | A | A | A | D | A | N/A | N/A | Compliance | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the written list of service providers disclosure date test. The written list of service providers disclosure dated 3/28/2025 was not disclosed to borrower within 3 days of the application date of 3/24/2025. . | 5/13/2025: Service Providers list within 3 days of application provided clearing exception | 100000 | redacted | Primary | Refinance | CashOut-Other | 7497 | |||||||
| SAIF2025CES2384 | D | A | A | A | D | A | N/A | N/A | Compliance | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the homeownership counseling organizations disclosure date. The loan has a homeownership counseling organizations disclosure dated 3/28/2025 that is not within three business days of the loan originator's application date of 3/24/2025. | 5/13/2025: Homeowner's counseling disclosure within 3 days of application provided clearing exception. | 100000 | redacted | Primary | Refinance | CashOut-Other | 7498 | |||||||
| SAIF2025CES2384 | D | A | A | A | D | A | N/A | N/A | Compliance | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test as a result of the loan failing the initial loan estimate delivery date test (from application). A reimbursement of $4,400.88 or documentation showing initial loan estimate was sent to borrower within 3 days of application is required to cure the failure. 5 | /13/2025: Initial LE provided. Loan fails the 0% tolerance test with additional documentation provided with a failure of $825. Discount points increased from $1680 to $2305 and Appraisal Fee increased from $665 to $865. Change of circumstance or reimbursement required. 5/22/2025: Valid Change of circumstance provided showing increases clearing exception. | 100000 | redacted | Primary | Refinance | CashOut-Other | 7499 | |||||||
| SAIF2025CES2384 | D | A | A | A | D | A | N/A | N/A | Compliance | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | TRID Timing | This loan failed the initial loan estimate delivery date test (from application). The initial loan estimate loan estimate in file dated 3/28/2025 is not within 3 days of the application date of 3/24/2025. | 5/13/2025: Initial 1003 within 3 days of application provided clearing exception. | 100000 | redacted | Primary | Refinance | CashOut-Other | 7500 | |||||||
| SAIF2025CES2359 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/18/2025 | 5/5/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | TRID Timing | This loan failed the initial closing disclosure delivery date test. File missing the Initial Closing disclosure. | 4/28/2025: Initial CD provided clearing exception. | 68200 | redacted | Primary | Refinance | CashOut-Other | 7273 | |||||||
| SAIF2025CES2359 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/18/2025 | 5/5/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | TRID Timing | File missing Initial Closing disclosure dated less than 3 business days before closing. | 4/28/2025: Initial CD provided clearing exception. | 68200 | redacted | Primary | Refinance | CashOut-Other | 7274 | |||||||
| SAIF2025CES2359 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/28/2025 | 5/5/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test | 68200 | redacted | Primary | Refinance | CashOut-Other | 7412 | ||||||||
| SAIF2025CES2359 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/28/2025 | 5/5/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor. The loan has an APR of 10.976%. The APR threshold to qualify for a safe harbor is 10.160%. | 68200 | redacted | Primary | Refinance | CashOut-Other | 7413 | ||||||||
| SAIF2025CES2359 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/6/2025 | 5/5/2025 | Cleared | A | A | A | Compliance | TRID | Tolerance Violation | **New finding due to complete testing* This loan failed the charges that cannot increase test. Appraisal fee increased from $585.00 on the initial LE to $635 on the final CD. Cure of $50 or valid COC required. | 5/5/2025: Credit issued at closing for tolerance violation. Exception cleared. | 68200 | redacted | Primary | Refinance | CashOut-Other | 7686 | |||||||
| SAIF2025CES3185 | D | A | D | A | A | A | N/A | N/A | Document | 5/6/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Document | Documentation | Incom Docs | Missing 2023 W2 for Primary borrower. | 5/22/2025: WVOE provided clearing exception. | 53000 | redacted | Primary | Refinance | CashOut-Other | 7683 | |||||||
| SAIF2025CES3185 | D | A | D | A | A | A | N/A | N/A | Credit | 5/6/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Incom Docs | Missing Letters from the organization or award letter for co-borrower retirement income required per guidelines. | 5/22/2025: Additional documentation provided clearing exception. | 53000 | redacted | Primary | Refinance | CashOut-Other | 7692 | |||||||
| SAIF2025CES3186 | B | B | A | A | B | B | N/A | N/A | Compliance | 5/5/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 83000 | redacted | Primary | Refinance | CashOut-Other | 7633 | |||||||||
| SAIF2025CES3186 | B | B | A | A | B | B | N/A | N/A | Compliance | 5/5/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan failed the qualified mortgage APR threshold test. | 83000 | redacted | Primary | Refinance | CashOut-Other | 7634 | |||||||||
| SAIF2025CES2392 | D | B | D | A | B | B | N/A | N/A | Credit | 5/2/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | The 1008 is missing from the file. | 5/13/2025: 1008 provided clearing exception. | 130000 | redacted | Primary | Refinance | CashOut-Other | 7584 | |||||||
| SAIF2025CES2392 | D | B | D | A | B | B | N/A | N/A | Credit | 5/5/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Incom Docs | Missing 2024 W-2 and bonus information for prior employment with Asbury Management Services LLC | 5/13/2025: Documentation provided clearing exception. | 130000 | redacted | Primary | Refinance | CashOut-Other | 7614 | |||||||
| SAIF2025CES2392 | D | B | D | A | B | B | N/A | N/A | Credit | 5/5/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Incom Docs | Missing 2024 bonus itemization for current employer RCA Management Inc. | 5/13/2025: Documentation provided clearing exception. | 130000 | redacted | Primary | Refinance | CashOut-Other | 7615 | |||||||
| SAIF2025CES2392 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/5/2025 | 5/13/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan failed the QM points and fees test. | 130000 | redacted | Primary | Refinance | CashOut-Other | 7616 | ||||||||
| SAIF2025CES3231 | D | A | A | A | D | A | N/A | N/A | Compliance | 5/28/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the reimbursement amount test. Tolerance cure of $240.90 is not sufficient. Loan failed the 0% tolerance by $100 due to the Condo Questionnaire fee. Loan failed the 10% tolerance test as Final charges of $1098 exceeded the Comparable charges of $811.00 by more than 10%-requiring a cure of $205.90. Additional cure of $65 required. | 6/11/2025: Cure issued prior to Funding. Exception cleared. | 50000 | redacted | Primary | Refinance | CashOut-Other | 13649 | |||||||
| SAIF2025CES3231 | D | A | A | A | D | A | N/A | N/A | Compliance | 5/28/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | TRID Payment Test | Loan failed the TRID Foreclosure rescission total payments test. Total payments of $161,209.99 is understated by more than $35 as the total of payments is $161,274.99 | 6/11/2025: Cure issued prior to Funding. Exception cleared. | 50000 | redacted | Primary | Refinance | CashOut-Other | 13650 | |||||||
| SAIF2025CES3187 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/5/2025 | 5/5/2025 | Cured | B | D | B | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The appraisal fee increase from $610.00 on the initial LE dated 4/1/25 to $660.00 on the Final CD dated 4/24/2025. A reimbursement of $50.00 or a valid change of circumstance is required to cure the failure. Seller Response : 5/15/2025 Agree - Cure will be issued Seller Response: 5/29/2025 Remediation underway | 6/30/2025: Post closing CD, check and delivery confirmation received for refund curing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7644 | |||||||
| SAIF2025CES3238 | D | A | D | A | D | A | N/A | N/A | Compliance | 5/29/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Disaster Inspection Fee of $200.00 was added to the LE dated 4/9/25 and Loan Discount Fee increased from $403.00 on the initial LE dated 3/27/25 to $442.50 on the final LE dated 5/20/25 without valid change of circumstances. A reimbursement of $239.50 or valid change of circumstances are required to cure the failure. | 6/11/2025: Valid COC provided clearing exception C | 50000 | redacted | Primary | Refinance | CashOut-Other | 13685 | |||||||
| SAIF2025CES3238 | D | A | D | A | D | A | N/A | N/A | Credit | 5/29/2025 | 6/23/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Discrepancies in information | Application shows borrower as unmarried, however title vested as borrower is a married man. | 6/23/2025: Corrected 1003 received clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 13689 | |||||||
| SAIF2025CES2380 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/1/2025 | 6/4/2025 | Cured | B | D | B | Compliance | Documentation | Right to Cancel | Missing Right to cancel signed by borrower and non-borrowing spouse. | Seller Response: 5/12/25 Remediation pending | 6/4/2025: Redisclosed Right to cancel provided curing exception. | 57393 | redacted | Primary | Refinance | CashOut-Other | 7514 | ||||||
| SAIF2025CES2380 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/1/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | Missing CD provided to the borrower at closing. | Seller Response: 5/12/25 Remediation pending | 6/4/2025: Documentation provided clearing exception. | 57393 | redacted | Primary | Refinance | CashOut-Other | 7515 | ||||||
| SAIF2025CES2380 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/1/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Recission | Recission test | This loan failed the TILA right of rescission test. Loan closed 4/21/2025 and documentation in file shows loan funding 4/23/2025. Final CD not provided to confirm funding date. | Seller Response: 5/12/25 Remediation pending | 6/4/2025: CD provided showing funding date of 4/25/2025 clearing exception. | 57393 | redacted | Primary | Refinance | CashOut-Other | 7525 | ||||||
| SAIF2025CES2380 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/1/2025 | 6/4/2025 | Open | B | B | B | Compliance | State | State Violation | This loan failed the NC rate spread home loan test The loan is a rate spread home loan, as defined in the legislation. | 57393 | redacted | Primary | Refinance | CashOut-Other | 7527 | ||||||||
| SAIF2025CES2380 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/1/2025 | 6/4/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test | 57393 | redacted | Primary | Refinance | CashOut-Other | 7528 | ||||||||
| SAIF2025CES2371 | D | B | A | A | B | B | N/A | N/A | Valuation | 4/28/2025 | 5/5/2025 | Waived | B | D | B | Valuation | Appraisal | Value Not supported | Missing secondary valuation required for securitization. Loan has a CU score of 2.6 and is not R&W eligible. | 5/5/2025: Waived by client | 50000 | redacted | Primary | Refinance | CashOut-Other | 7393 | |||||||
| SAIF2025CES2371 | D | B | A | A | B | B | N/A | N/A | Compliance | 4/28/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7394 | |||||||||
| SAIF2025CES2371 | D | B | A | A | B | B | N/A | N/A | Compliance | 4/28/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7395 | |||||||||
| SAIF2025CES3188 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/7/2025 | 7/2/2025 | Cured | B | D | B | Compliance | TRID | Tolerance Violation | This loan failed the charges that in total cannot increase more than 10% test. The final charges that in total cannot increase more than 10% ($1,198.85) exceed the comparable charges ($700.00) by more than 10%. Cure of $428.85 or valid Change of Circumstance required. | Seller Response: 5/16/25--Agree that a cure is needed, but disagree on the amount. The comparable charges should be $810 because limited coverage is a title insurance product and was originally disclosed, but the increase and fee name change to Title Insurance was not disclosed appropriately. As a result the cure should be $307.50 5/22/2025: Agree with cure of 307.25 to be provided. Seller Response : 5/29/25--Remediation underway | 7/1/2025: Pending receipt of refund check by borrower in order to cure exception Estimated Delivery date of 7/2/2025. Once receipt confirmed, finding will be cured. 7/2/2025: Verified check was delivered to borrower. Finding cured. | 350000 | redacted | Primary | Refinance | CashOut-Other | 7699 | ||||||
| SAIF2025CES3188 | D | B | A | A | D | B | N/A | N/A | Valuation | 5/7/2025 | 5/7/2025 | Waived | B | D | B | Valuation | Value | Value Not supported | Missing secondary valuation required for securitization. Loan has a CU Score of 2.8 and is not eligible for Reps & Warrant Relief. | Finding waived by client. | 350000 | redacted | Primary | Refinance | CashOut-Other | 7700 | |||||||
| SAIF2025CES2364 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/24/2025 | 5/20/2025 | Cured | B | D | B | Compliance | TRID | Tolerance Violation | This loan failed the Charges That In Total Cannot Increase More Than 10% Test. Fees increased from $515 to $760 on the final CD. A reimbursement of $193.50 or valid Change of circumstance for the fee increases is required to cure the failure. | Seller Response: 4/30/25--Agree, a cure will be provided. | 5/20/2025: Cure provided to borrower. | 160000 | redacted | Primary | Refinance | CashOut-Other | 7362 | ||||||
| SAIF2025CES2364 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/24/2025 | 5/20/2025 | Open | B | B | B | Compliance | TRID | Delivery Failure | .This loan failed the revised closing disclosure delivery date test (no waiting period required). The revised closing disclosure delivery does not require a new waiting period and the isclosure delivery date is provided and the revised closing disclosure method of delivery is marked "USPS First Class Mail" | 160000 | redacted | Primary | Refinance | CashOut-Other | 7363 | ||||||||
| SAIF2025CES2364 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/24/2025 | 5/20/2025 | Open | B | B | B | Compliance | QM | QM Failure | This Loan Failed Qualified Mortgage Lending Policy Points and Fees Test | 160000 | redacted | Primary | Refinance | CashOut-Other | 7364 | ||||||||
| SAIF2025CES3189 | D | A | D | A | D | A | N/A | N/A | Credit | 5/7/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | File Missing 1008 form | 5/22/2025: 1008 provided clearing exception. | 53000 | redacted | Primary | Refinance | CashOut-Other | 7774 | |||||||
| SAIF2025CES3189 | D | A | D | A | D | A | N/A | N/A | Credit | 5/7/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Income Docs | File Missing Pay Stubs covering the borrower's most recent 30-day period as required by guidelines. One paystub was provided. | Seller Response: 5/15/2025: Disagree - Hire date is 08/01/2021 and paystub ending is 03/15/25 which covers 30day YTD now uploaded in folder.Document uploaded on OneDiligence portal 5/22/2025: Paystub in file covers from 3/2/2025 to 3/15/2025. The guidelines state : YTD earnings must cover the most recent 30-day period; in the event one pay stub covers the most recent 30 day period, one pay stub shall suffice. These are two separate items and should be looked at individually, thus paystubs covering a 30 day period must be provided. Exception remains. Seller Response: 5/29/25--Remediation underway | 6/11/2025: Paystubs provided clearing exception. | 53000 | redacted | Primary | Refinance | CashOut-Other | 7789 | ||||||
| SAIF2025CES3189 | D | A | D | A | D | A | N/A | N/A | Compliance | 5/7/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed Charges That Cannot Increase Test. The Loan Discount Fee increased from $1041.00 on the Revised LE Dated 4/2/25 to $1486.95 on the Post Consummation Closing Disclosure dated 5/2/25; A reimbursement of $445.65 or a valid change of circumstance is required to cure the failure. A reimbursement of $1,033.50 was issued to cure the tolerance failures of the State and County Stamps but did not include the cure for the discount points. | 5/22/2025: Valid COC showing rate relock provided clearing exception. | 53000 | redacted | Primary | Refinance | CashOut-Other | 7799 | |||||||
| SAIF2025CES3189 | D | A | D | A | D | A | N/A | N/A | Compliance | 5/7/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | File Missing final closing disclosure signed day of closing. | 5/22/2025: Final CD provided clearing exception. | 53000 | redacted | Primary | Refinance | CashOut-Other | 7800 | |||||||
| SAIF2025CES2388 | D | B | D | A | D | B | N/A | N/A | Credit | 5/2/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Missing 1008 | 5/12/25: Please see attached 1008. Document uploaded to OneDiligence portal 5/13/2025: 1008 was not provided. Exception remains. | 5/22/2025: 1008 provided clearing exception. | 104000 | redacted | Primary | Refinance | CashOut-Other | 7538 | ||||||
| SAIF2025CES2388 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/2/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing Documentation - Miscellaneous | Missing final CD provided to the borrower at closing. | 5/13/2025: Final CD provided clearing exception. | 104000 | redacted | Primary | Refinance | CashOut-Other | 7539 | |||||||
| SAIF2025CES2388 | D | B | D | A | D | B | N/A | N/A | Credit | 5/2/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Missing final 1003. | 5/13/2025: Final 1003 provided clearing exception. | 104000 | redacted | Primary | Refinance | CashOut-Other | 7540 | |||||||
| SAIF2025CES2388 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/2/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | TRID Timing | This loan failed the initial closing disclosure delivery date test. Initial CD was not provided to the borrower 3 business days prior to closing. | 5/13/2025: Initial CD provided clearing exception. | 104000 | redacted | Primary | Refinance | CashOut-Other | 7542 | |||||||
| SAIF2025CES2388 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/2/2025 | 6/4/2025 | Open | B | B | B | Compliance | QM | QM | This loan failed the QM points and fees test. | 104000 | redacted | Primary | Refinance | CashOut-Other | 7543 | ||||||||
| SAIF2025CES2388 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/2/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing Documentation - Miscellaneous | Missing Right to Cancel signed by Greg A Bailey at closing Seller Reponse: 5/12/25 Remediation pending | 6/4/2025: Right to cancel provided clearing exception. | 104000 | redacted | Primary | Refinance | CashOut-Other | 7544 | |||||||
| SAIF2025CES3190 | B | B | A | A | B | B | N/A | N/A | Compliance | 5/6/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan failed the QM points and fees test. | 107000 | redacted | Primary | Refinance | CashOut-Other | 7685 | |||||||||
| SAIF2025CES2372 | D | A | D | A | D | A | N/A | N/A | Credit | 4/28/2025 | 5/2/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | File Missing 1008 worksheet. | 05/02/2025- Client provided copy of 1008 clearing exception. | 128000 | redacted | Primary | Refinance | CashOut-Other | 7396 | |||||||
| SAIF2025CES2372 | D | A | D | A | D | A | N/A | N/A | Compliance | 4/28/2025 | 5/2/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing Documentation - Miscellaneous | Missing Final 1003 signed by borrower at closing. | 5/2/2025: Client provided copy of Final 1003 clearing exception. | 128000 | redacted | Primary | Refinance | CashOut-Other | 7398 | |||||||
| SAIF2025CES2372 | D | A | D | A | D | A | N/A | N/A | Compliance | 4/28/2025 | 5/2/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing Documentation - Miscellaneous | Missing Final CD signed by borrower at closing. | 5/2/2025: Client provided copy of Final CD clearing exception | 128000 | redacted | Primary | Refinance | CashOut-Other | 7403 | |||||||
| SAIF2025CES2372 | D | A | D | A | D | A | N/A | N/A | Credit | 4/28/2025 | 5/2/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Missing First Note. | 05/02/2025- Client provided copy of First Note clearing exception. | 128000 | redacted | Primary | Refinance | CashOut-Other | 7404 | |||||||
| SAIF2025CES2372 | D | A | D | A | D | A | N/A | N/A | Compliance | 4/28/2025 | 5/2/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing Documentation - Miscellaneous | File Missing Notice of Right to Cancel signed by borrower at closing. | 5/2/2025: Client provided copy of Notice of Right to Cancel clearing exception. | 128000 | redacted | Primary | Refinance | CashOut-Other | 7407 | |||||||
| SAIF2025CES3191 | D | B | D | A | B | B | N/A | N/A | Credit | 5/9/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Missing tri-merged credit report reflecting 3 scores for each applicant. Supporting documents indicate 3 bureaus were used. | 5/22/2025: Credit Report provided clearing exception. | 154000 | redacted | Primary | Refinance | CashOut-Other | 7867 | |||||||
| SAIF2025CES3191 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/12/2025 | 5/22/2025 | Open | B | B | B | Compliance | State | State Violation | This loan failed the CA AB 260 higher-priced mortgage loan test. | 154000 | redacted | Primary | Refinance | CashOut-Other | 8872 | ||||||||
| SAIF2025CES3191 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/12/2025 | 5/22/2025 | Open | B | B | B | Compliance | QM | QM FAilure | This loan failed the QM points and fees test. | 154000 | redacted | Primary | Refinance | CashOut-Other | 8873 | ||||||||
| SAIF2025CES3191 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/12/2025 | 5/22/2025 | Open | B | B | B | Compliance | QM | QM FAilure | This loan failed the QM APR test. | 154000 | redacted | Primary | Refinance | CashOut-Other | 8874 | ||||||||
| SAIF2025CES3191 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/12/2025 | 5/22/2025 | Open | B | B | B | Compliance | HPML | HPML | This loan failed the higher-priced mortgage loan test. | 154000 | redacted | Primary | Refinance | CashOut-Other | 8875 | ||||||||
| SAIF2025CES3191 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/12/2025 | 5/22/2025 | Open | B | B | B | Compliance | QM | QM FAilure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 10.201%. The APR threshold to qualify for a safe harbor is 10.150%. | 154000 | redacted | Primary | Refinance | CashOut-Other | 8876 | ||||||||
| SAIF2025CES2381 | D | B | D | A | B | B | N/A | N/A | Credit | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | File missing VOE dated within 10 days of closing. | 5/13/2025: VOE provided clearing exception. | 53000 | redacted | Primary | Refinance | CashOut-Other | 7502 | |||||||
| SAIF2025CES2381 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/1/2025 | 5/13/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 53000 | redacted | Primary | Refinance | CashOut-Other | 7506 | ||||||||
| SAIF2025CES2381 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/1/2025 | 5/13/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 9.962%. The APR threshold to qualify for a safe harbor is 9.840%. | 53000 | redacted | Primary | Refinance | CashOut-Other | 7507 | ||||||||
| SAIF2025CES3192 | D | A | D | A | A | A | N/A | N/A | Credit | 5/15/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Income Docs | File Missing Borrower's paystub. 1 paystub was provided for the employment at Loulous Fabric Shop LLC, but per guidelines paystubs covering the most recent 30-day period are required. | 6/4/2025: Missing paystub provided clearing exception | 50000 | redacted | Primary | Refinance | CashOut-Other | 9378 | |||||||
| SAIF2025CES3192 | D | A | D | A | A | A | N/A | N/A | Credit | 5/15/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Income Docs | Missing Verbal verification of employment within 10 days of closing for borrower's employment with Goodrich Performance Therapy LLC Seller Response: 5-28-25- there is no employer by this name | 6/4/2025: There are two paystubs with this name dated 3/28/2025 for borrower. Income was not used by lender. Exception cleared | 50000 | redacted | Primary | Refinance | CashOut-Other | 9387 | |||||||
| SAIF2025CES3193 | D | A | D | A | A | A | N/A | N/A | Document | 5/8/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Document | Documentation | Missing Documentation - Miscellaneous | Missing final 1008. | 5/22/2025: 1008 provided clearing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7844 | |||||||
| SAIF2025CES3193 | D | A | D | A | A | A | N/A | N/A | Valuation | 5/9/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Valuation | Value | Missing Appraisal | AVM in file with Confidence score of 86. Missing full appraisal required by guidelines. | 5/22/2025: Full appraisal provided clearing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7862 | |||||||
| SAIF2025CES3193 | D | A | D | A | A | A | N/A | N/A | Credit | 5/9/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing income Docs | Paystub covering one week period provided. Guidelines require paystubs cover most recent 30-day period. 5/22/2025: Paystub in file covers one week of earnings. The guidelines state : YTD earnings must cover the most recent 30-day period; in the event one pay stub covers the most recent 30 day period, one pay stub shall suffice. These are two separate items and should be looked at individually, thus paystubs covering a 30 day period must be provided. Exception remains. | Seller Response: 5-16-25 Disagree- paystubs in file covers year to date. Re-attached. Document uploaded on OneDiligence portal | 6/4/2025: Post closing WVOE provided clearing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7863 | ||||||
| SAIF2025CES2376 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Delivery Failure | This loan failed the initial closing disclosure delivery date test. Initial CD in file dated 4/15/2025 did not show that it was electronically delivered to the borrower, therefore 3 day mailing rule was used. | 5/13/2025: Initial CD provided clearing exception. | 52500 | redacted | Primary | Refinance | CashOut-Other | 7485 | |||||||
| SAIF2025CES2376 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 5/13/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 52500 | redacted | Primary | Refinance | CashOut-Other | 7486 | ||||||||
| SAIF2025CES2376 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 5/13/2025 | Open | B | B | B | Compliance | State | State Violation | This loan failed the OK HOEPA higher-priced mortgage loan test. | 52500 | redacted | Primary | Refinance | CashOut-Other | 7487 | ||||||||
| SAIF2025CES2376 | D | B | A | A | D | B | N/A | N/A | Compliance | 4/30/2025 | 5/13/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. This loan does not qualify for a safe harbor. The loan has an APR of 10.555%. The APR threshold to qualify for a safe harbor is 9.840%. | 52500 | redacted | Primary | Refinance | CashOut-Other | 7488 | ||||||||
| SAIF2025CES2391 | D | B | D | A | D | B | N/A | N/A | Credit | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | 1008 is missing from the file | 5/13/2025: 1008 provided clearing exception. | 244760 | redacted | Primary | Refinance | CashOut-Other | 7513 | |||||||
| SAIF2025CES2391 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,616.00 on the Initial LE dated 04/02/2025 to $5,127.72 on the final CD dated 04/24/2025. A reimbursement of $2,511.72 or a valid change of circumstance is required to cure the violation. | 5/13/2025: Valid COC provided clearing exception. | 244760 | redacted | Primary | Refinance | CashOut-Other | 7522 | |||||||
| SAIF2025CES2391 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/1/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | Charges That In Total Cannot Increase More Than 10% Test. Fees increased from $466 on the LE to $848 on the final CD. A reimbursement of $335.40 or a valid change of circumstance is required to cure the violation. | 5/13/2025: Valid COC provided clearing exception. | 244760 | redacted | Primary | Refinance | CashOut-Other | 7523 | |||||||
| SAIF2025CES2391 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/1/2025 | 5/13/2025 | Open | B | A | B | Compliance | QM | QM Failure | This loan has points and fees that exceed the QM points and fees threshold. | 244760 | redacted | Primary | Refinance | CashOut-Other | 7524 | ||||||||
| SAIF2025CES2391 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/2/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Delivery Failure | Missing initial CD provided to the borrower 3 days prior to closing. | 5/13/2025: CD provided clearing exception. | 244760 | redacted | Primary | Refinance | CashOut-Other | 7575 | |||||||
| SAIF2025CES3195 | D | A | D | A | D | A | N/A | N/A | Document | 5/7/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Document | Documentation | Missing Documentation - Miscellaneous | Missing final 1008. | 5/22/2025: 1008/ provided clearing exception. | 95000 | redacted | Primary | Refinance | CashOut-Other | 7795 | |||||||
| SAIF2025CES3195 | D | A | D | A | D | A | N/A | N/A | Document | 5/7/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Document | Documentation | Missing Documentation - Miscellaneous | Missing final executed Closing Disclosure. | 5/22/2025: Final CD provided clearing exception. | 95000 | redacted | Primary | Refinance | CashOut-Other | 7842 | |||||||
| SAIF2025CES3196 | D | B | D | A | D | B | N/A | N/A | Credit | 5/13/2025 | 5/29/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Missing security instrument for Senior lien. | 5/22/2025: Documentation provided clearing exception. | 250000 | redacted | Primary | Refinance | CashOut-Other | 8913 | |||||||
| SAIF2025CES3196 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/14/2025 | 7/2/2025 | Cured | B | D | B | Compliance | TRID | Tolerance Violation | This loan failed the charges that in total cannot increase more than 10% test.. The final charges that in total cannot increase more than 10% ($1,041.85) exceed the comparable charges ($679.00) by more than 10%. Cure of 294.50 or valid Change of Circumstance required. | Seller Response: 5/16/25--Agree that a cure is needed, but disagree on the amount. The comparable charges should be $789 because limited coverage is a title insurance product and was originally disclosed, but the increase and fee name change to Title Insurance was not disclosed appropriately. As a result the cure should be $173.95 5/22/2025: Agree with cure of $173.95 required. Seller Response: 5/29/25--Remediation underway | 7/1/2025: Pending receipt of refund check by borrower in order to cure exception Estimated Delivery date of 7/2/2025. Once receipt confirmed, finding will be cured. 7/2/2025: Verified delivery of check to borrower, finding cured. | 250000 | redacted | Primary | Refinance | CashOut-Other | 8938 | ||||||
| SAIF2025CES3196 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/14/2025 | 5/29/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan failed the QM points and fees test | 250000 | redacted | Primary | Refinance | CashOut-Other | 8939 | ||||||||
| SAIF2025CES3197 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/13/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1912.00 on the initial LE dated 4/18/25 to $2016.00 on CD dated 4/25/25. A reimbursement of $104 or a valid COC showing borrower received disclosure within 3 days of the increase is required to cure the failure. | 5/22/2025: LE from rate lock provided clearing exception. | 100800 | redacted | Primary | Refinance | CashOut-Other | 8903 | |||||||
| SAIF2025CES3197 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/13/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the date the rate was set validation test. Rate Lock information missing from loan file. | 5/22/2025: Rate lock provided clearing exception. | 100800 | redacted | Primary | Refinance | CashOut-Other | 8904 | |||||||
| SAIF2025CES3197 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/13/2025 | 5/22/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan failed the QM points and fees test | 100800 | redacted | Primary | Refinance | CashOut-Other | 8905 | ||||||||
| SAIF2025CES3198 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/19/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Points increased from $1781 to $4524 and Origination Fee increased from $2900 to $3480. Cure of $1,740.25 was provided but not sufficient. Change of Circumstance documentation additional cure of 1582.75 required. | 6/4/2025: Change of circumstance documentation provided clearing exception. | 174000 | redacted | Primary | Refinance | CashOut-Other | 10851 | |||||||
| SAIF2025CES3198 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/19/2025 | 6/4/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 10.731%. The APR threshold to qualify for a safe harbor is 10.120%. | 174000 | redacted | Primary | Refinance | CashOut-Other | 10852 | ||||||||
| SAIF2025CES3198 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/19/2025 | 6/4/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 174000 | redacted | Primary | Refinance | CashOut-Other | 10853 | ||||||||
| SAIF2025CES3199 | D | B | D | A | B | B | N/A | N/A | Credit | 5/6/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Note | Missing page 1 of note. | 5/22/2025: Page one of note provided clearing exception. | 75000 | redacted | Primary | Refinance | CashOut-Other | 7694 | |||||||
| SAIF2025CES3199 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/7/2025 | 5/22/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 75000 | redacted | Primary | Refinance | CashOut-Other | 7707 | ||||||||
| SAIF2025CES3199 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/7/2025 | 5/22/2025 | Open | B | B | B | Compliance | State | State Violation | This loan failed the MA 209 CMR 32.35 higher-priced mortgage loan test. | 75000 | redacted | Primary | Refinance | CashOut-Other | 7708 | ||||||||
| SAIF2025CES3199 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/7/2025 | 5/22/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 10.159%. The APR threshold to qualify for a safe harbor is 9.820%. | 75000 | redacted | Primary | Refinance | CashOut-Other | 7710 | ||||||||
| SAIF2025CES3200 | D | A | D | A | D | A | N/A | N/A | Document | 5/7/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Document | Documentation | Missing Documentation - Miscellaneous | Missing final 1008. | 5/22/2025: 1008 provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7738 | |||||||
| SAIF2025CES3200 | D | A | D | A | D | A | N/A | N/A | Compliance | 5/7/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing CD | Missing final executed Closing Disclosure. | 5/22/2025: Final CD provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7781 | |||||||
| SAIF2025CES3200 | D | A | D | A | D | A | N/A | N/A | Valuation | 5/7/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Valuation | Value | Value Not supported | AVM in file has Confidence score of 84. Score of 90 or higher required for AVM to be used. Missing full appraisal required by guidelines. | 5/22/2025: Full appraisal provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7796 | |||||||
| SAIF2025CES3200 | D | A | D | A | D | A | N/A | N/A | Credit | 5/7/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Employment | Work Number VOE shoes borrower started with company 12/13/2023. Application states borrower has been with same employer for 33 years, 2024 and 2023 W2s were also provided. No documentation or letter of explanation provided for discrepancies in employment dates. | Seller Response: 5-21-25 Remediation pending Seller Response: 05/23/2025: Confirmed the employment start date with the employer as 06/14/92. No additional documentation\action is required though there is a variation on the employment start date with Encompass( 1/1/1992 VS 6/14/1992).Reason for the variation documented is Employer moved to a new payroll company. Documents from the employer is attached. Supporting Doc uploaded. Document uploaded to OneDiligence portal 6/4/2025: No additional documentation received. VOE in file shows borrower start date as 12/13/2023. Documentation regarding employment discrepancies needed to clear exception | 6/11/2025: Updated VVOE provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 7814 | ||||||
| SAIF2025CES3200 | D | A | D | A | D | A | N/A | N/A | Compliance | 5/22/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | **New finding due to additional documentation provided.*** This loan failed the charges that cannot increase test Discount points increased from $858 to $1357.50 on the final CD. Cure of 499.50 or Change of circumstance documentation required. | 6/4/2025: Post closing CD provided showing discount points of $857.50 paid by borrower. Exception cleared. | 50000 | redacted | Primary | Refinance | CashOut-Other | 13054 | |||||||
| SAIF2025CES3201 | D | A | D | A | D | A | N/A | N/A | Credit | 5/13/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing 1003 | File missing Final 1003 signed by the borrowers at closing | Seller Response: 06/02/2025 - Closing team to obtain the signed 1003 post closing the file. Remediation pending | 6/11/2025: 1003 received clearing exception | 78500 | redacted | Primary | Refinance | CashOut-Other | 8919 | ||||||
| SAIF2025CES3201 | D | A | D | A | D | A | N/A | N/A | Compliance | 5/13/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Right to Cancel | Missing right to cancel | File missing Notice of Right to cancel signed by the Borrower at closing. | 6/4/2025: Right to cancel provided clearing exception. | 78500 | redacted | Primary | Refinance | CashOut-Other | 8920 | |||||||
| SAIF2025CES3201 | D | A | D | A | D | A | N/A | N/A | Compliance | 5/13/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Right to Cancel | Missing right to cancel | File missing Notice of Right to cancel signed by the Co-Borrower at closing. | 6/4/2025: right to cancel provided clearing exception. | 78500 | redacted | Primary | Refinance | CashOut-Other | 8921 | |||||||
| SAIF2025CES3201 | D | A | D | A | D | A | N/A | N/A | Credit | 5/13/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Employment | Employment Discrepancies | Discrepency with employment dates. Verification of Employment for the Co-Borrower states that borrower has been employed since 1/22/2019, however other documentation shows that borrower only has been employed with Dignity Health since October of 2024. Letter of explanation regarding employment history needed. | Seller response: 5/29/25--Remediation underway Seller Response: 06/05/25 - Remediation Pending Seller Response: 06/18 - Remediation Pending Seller Response: 6/27/25- pending documentation - remediation pending | 7/1/2025: Written VOE provided clearing exception. | 78500 | redacted | Primary | Refinance | CashOut-Other | 8925 | ||||||
| SAIF2025CES3201 | D | A | D | A | D | A | N/A | N/A | Compliance | 5/14/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing CD | File Missing Final CD signed at closing by both borrowers. | 6/4/2025: Final CD provided clearing exception. | 78500 | redacted | Primary | Refinance | CashOut-Other | 8936 | |||||||
| SAIF2025CES3201 | D | A | D | A | D | A | N/A | N/A | Compliance | 5/14/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that in total cannot increase more than 10% test. The addition of Title Search Abstract in the amount of $65 and Other Title Fees in the amount of $45 were added to the CD Dated 4/30/2024 without a valid Change of circumstance. A reimbursement of $77.40 or a valid change of circumstance is required to cure the failure | 6/4/2025: final CD Provided clearing exception. | 78500 | redacted | Primary | Refinance | CashOut-Other | 8937 | |||||||
| SAIF2025CES3201 | D | A | D | A | D | A | N/A | N/A | Credit | 5/15/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Income Docs | Missing complete paystubs for borrower Roby Robertson. Paystubs in file are cut off on side | 6/4/2025: complete paystubs provided clearing exception. | 78500 | redacted | Primary | Refinance | CashOut-Other | 9451 | |||||||
| SAIF2025CES3201 | D | A | D | A | D | A | N/A | N/A | Compliance | 6/4/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Right to Cancel | Recission test | **New finding due to documentation provided** Funding date on final CD of 5/12/2025 prior to closing date of 5/19/2025. Documentation of actual funding date required to show borrower received full 3 day recission period. | 6/4/2025: final CD Provided clearing exception. | 78500 | redacted | Primary | Refinance | CashOut-Other | 13851 | |||||||
| SAIF2025CES3233 | D | A | A | A | D | A | N/A | N/A | Compliance | 5/29/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,048.00 on the initial LE to $$1,794.62 on the Final CD dated 5/19/25 without a valid change of circumstance. A reimbursement of $481.62 or a valid change of circumstance is required to cure the failure. | 6/11/2025: Valid COC provided clearing exception | 54300 | redacted | Primary | Refinance | CashOut-Other | 13710 | |||||||
| SAIF2025CES3233 | D | A | A | A | D | A | N/A | N/A | Compliance | 5/29/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing Documentation - Miscellaneous | This loan failed the date the rate was set validation test. Rate Lock date was not provided. | . 6/11/2025: Rate lock provided clearing exception | 54300 | redacted | Primary | Refinance | CashOut-Other | 13712 | |||||||
| SAIF2025CES3202 | D | A | A | A | D | A | N/A | N/A | Compliance | 5/6/2025 | 5/22/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1042.00 on the Rate lock LE dated to $1433.70 on the Final CD. A Reimbursement of $391.70 or a valid change of circumstance is required to cure the failure. | 5/22/2025: Change of circumstance showing rate lock on 4/22/2025 provided clearing exception. | 54000 | redacted | Primary | Refinance | CashOut-Other | 7689 | |||||||
| SAIF2025CES3229 | D | B | D | A | B | B | N/A | N/A | Credit | 5/27/2025 | 6/23/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | Tax returns used to qualify Primary borrower were not signed/dated as required per guidelines. | 6/23/2025: Signed tax returns received clearing exception. | 80000 | redacted | Primary | Refinance | CashOut-Other | 13615 | |||||||
| SAIF2025CES3229 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/28/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 80000 | redacted | Primary | Refinance | CashOut-Other | 13661 | |||||||||
| SAIF2025CES3229 | D | B | D | A | B | B | N/A | N/A | Compliance | 5/28/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. This loan does not qualify for a safe harbor. The loan has an APR of 10.357%. The APR threshold to qualify for a safe harbor is 10.120%. | 80000 | redacted | Primary | Refinance | CashOut-Other | 13662 | |||||||||
| SAIF2025CES3262 | D | B | A | A | A | A | N/A | N/A | Valuation | 6/5/2025 | 6/5/2025 | Waived | B | D | B | Valuation | Value | Value Not supported | Missing secondary valuation required for securitization. Loan has a CU Score of 3.4 and is not eligible for Reps & Warrant Relief. | 6/5/2025: Waived by client | 182000 | redacted | Primary | Refinance | CashOut-Other | 13892 | |||||||
| SAIF2025CES3206 | B | B | A | A | B | B | N/A | N/A | Compliance | 5/15/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 10.542%. The APR threshold to qualify for a safe harbor is 9.730%. | 50000 | redacted | Primary | Refinance | CashOut-Other | 9418 | |||||||||
| SAIF2025CES3206 | B | B | A | A | B | B | N/A | N/A | Compliance | 5/15/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 50000 | redacted | Primary | Refinance | CashOut-Other | 9419 | |||||||||
| SAIF2025CES2389 | D | A | D | A | D | A | N/A | N/A | Document | 5/2/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Document | Documentation | Missing Deed of trust | Missing security instrument for subject loan. | 5/13/2025: Deed of Trust provided clearing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7565 | |||||||
| SAIF2025CES2389 | D | A | D | A | D | A | N/A | N/A | Document | 5/2/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Document | Documentation | Missing Documentation - Miscellaneous | Missing final 1008. | 5/13/2025: 1008 provided clearing exception | 60000 | redacted | Primary | Refinance | CashOut-Other | 7566 | |||||||
| SAIF2025CES2389 | D | A | D | A | D | A | N/A | N/A | Compliance | 5/2/2025 | 5/13/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Missing CD | Missing final executed Closing Disclosure. | 5/13/2025: Final CD provided clearing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 7585 | |||||||
| SAIF2025CES3207 | B | B | A | A | B | B | N/A | N/A | Compliance | 5/15/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 68000 | redacted | Primary | Refinance | CashOut-Other | 9385 | |||||||||
| SAIF2025CES3207 | B | B | A | A | B | B | N/A | N/A | Compliance | 5/15/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 10.379%. The APR threshold to qualify for a safe harbor is 9.730%. | 68000 | redacted | Primary | Refinance | CashOut-Other | 9386 | |||||||||
| SAIF2025CES3242 | D | B | D | A | D | B | N/A | N/A | Credit | 6/2/2025 | 6/23/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | File missing two paystubs covering the most recent 30-day period within 60 days prior to closing as required by guidelines. Paystub in file is not within 60 days and covers only two weeks. | 6/23/2025: Copy of paystubs received clearing exception | 50000 | redacted | Primary | Refinance | CashOut-Other | 13760 | |||||||
| SAIF2025CES3242 | D | B | D | A | D | B | N/A | N/A | Compliance | 6/2/2025 | 6/23/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Discount Points increased from $437.00 to $855 on the final CD. Change of circumstance or reimbursement of $437 required. | 6/11/2025: Valid COC provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 13791 | |||||||
| SAIF2025CES3242 | D | B | D | A | D | B | N/A | N/A | Compliance | 6/2/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test | 50000 | redacted | Primary | Refinance | CashOut-Other | 13792 | |||||||||
| SAIF2025CES3242 | D | B | D | A | D | B | N/A | N/A | Compliance | 6/2/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. This loan does not qualify for a safe harbor. The loan has an APR of 10.539%. The APR threshold to qualify for a safe harbor is 9.730%. | 50000 | redacted | Primary | Refinance | CashOut-Other | 13793 | |||||||||
| SAIF2025CES3209 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/21/2025 | 6/4/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 60000 | redacted | Primary | Refinance | CashOut-Other | 12885 | ||||||||
| SAIF2025CES3209 | D | B | A | A | D | B | N/A | N/A | Value | 5/21/2025 | 5/22/2025 | Waived | B | D | B | Valuation | Value | Value Not supported | Missing Secondary Valuation required for securitization Loan is not R&W eligible and has a CU Score of 2.6 | 5/22/2025: Waived by client due to full appraisal in file. | 60000 | redacted | Primary | Refinance | CashOut-Other | 12890 | |||||||
| SAIF2025CES3209 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/21/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan Discount Fee Increased from $1790.00 on the Initial LE dated 4/17/25 to $2,358.00 on the Final CD dated 5/10/25. A reimbursement of $568.00 or a valid change of circumstance is required to cure the failure. | 6/4/2025: Valid COC provided clearing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 12892 | |||||||
| SAIF2025CES3209 | D | B | A | A | D | B | N/A | N/A | Compliance | 6/4/2025 | 6/4/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 10.404%. The APR threshold to qualify for a safe harbor is 9.730%. | 60000 | redacted | Primary | Refinance | CashOut-Other | 13857 | ||||||||
| SAIF2025CES3210 | D | A | D | A | A | A | N/A | N/A | Credit | 5/21/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | File missing Flood Certificate | 6/4/2025 Flood Cert provided clearing exception. | 80675 | redacted | Primary | Refinance | CashOut-Other | 12939 | |||||||
| SAIF2025CES3211 | B | B | A | A | B | B | N/A | N/A | Compliance | 5/22/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 65000 | redacted | Primary | Refinance | CashOut-Other | 13048 | |||||||||
| SAIF2025CES3235 | D | B | D | A | D | B | N/A | N/A | Credit | 5/30/2025 | 6/23/2025: | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | Business and personal tax returns provided by borrower are not Signed and dated as required by guidelines | 6/23/2025: Signed tax returns received clearing exception. | 60000 | redacted | Primary | Refinance | CashOut-Other | 13718 | |||||||
| SAIF2025CES3235 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/30/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the lender credits that cannot decrease test. Lender credits decreased from $75 on the initial LE dated 4/17/25 to $18 on the Final CD dated 5/20/25 without a valid change of circumstance. A reimbursement of $57.00 or a valid change of circumstance is required to cure the failure. | 6/11/2025: Valid COC provided clearing exception | 60000 | redacted | Primary | Refinance | CashOut-Other | 13722 | |||||||
| SAIF2025CES3235 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/30/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 60000 | redacted | Primary | Refinance | CashOut-Other | 13723 | |||||||||
| SAIF2025CES3213 | D | B | D | A | D | B | N/A | N/A | Credit | 5/22/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Employment | Employment Discrepancies | Missing verification of prior employment dates with Quality Repair and Maintenance Service as required per guidelines. Borrower has been with current employer less than 2 years 6/4/2025: Verification of employment was not provided for prior employer to verify dated employed. Dates of employment need to be verified to ensure no employment gaps and consistency of employment. Exception remains. | Seller Response: 5/29/2025 - Uploaded a LOE to meet requirements. Document uploaded to OneDiligence portal | 6/11/2025: Verification of employment provided clearing exception. | 54000 | redacted | Primary | Refinance | CashOut-Other | 13072 | ||||||
| SAIF2025CES3213 | D | B | D | A | D | B | N/A | N/A | Compliance | 5/23/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | Loan failed the charges that cannot increase test. Discount points increased from $618 to $1212.30 on the final CD. Valid Change of Circumstance documentation or cure of $594.30 required. | 6/4/2025: Valid COC provided clearing exception. | 54000 | redacted | Primary | Refinance | CashOut-Other | 13340 | |||||||
| SAIF2025CES3213 | D | B | D | A | D | B | N/A | N/A | Compliance | 6/4/2025 | 6/4/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 54000 | redacted | Primary | Refinance | CashOut-Other | 13858 | ||||||||
| SAIF2025CES3213 | D | B | D | A | D | B | N/A | N/A | Compliance | 6/4/2025 | 6/4/2025 | Open | B | B | B | Compliance | State | State Violation | This loan failed the MD COMAR higher-priced mortgage loan test. | 54000 | redacted | Primary | Refinance | CashOut-Other | 13859 | ||||||||
| SAIF2025CES3213 | D | B | D | A | D | B | N/A | N/A | Compliance | 6/4/2025 | 6/4/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 10.422%. The APR threshold to qualify for a safe harbor is 9.930%. | 54000 | redacted | Primary | Refinance | CashOut-Other | 13860 | ||||||||
| SAIF2025CES3243 | D | A | A | A | D | A | N/A | N/A | Compliance | 6/4/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Loan origination fee increased from $1300 on the rate lock LE dated 5/5/2025 to $1400 on the final CD. Valid Change of Circumstance of cure of $100 needed to clear finding. | 6/11/2025: Valid COC provided clearing exception. | 70000 | redacted | Primary | Refinance | CashOut-Other | 13868 | |||||||
| SAIF2025CES3243 | D | A | A | A | D | A | N/A | N/A | Compliance | 6/4/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that in total cannot increase more than 10% test.. Fees increased from $1223 on the rate lock LE dated 5/5/2025 to $1371.47 on the final CD. Valid Change of Circumstance of cure of $26.17 needed to clear finding. | 6/11/2025: Valid COC provided clearing exception. | 70000 | redacted | Primary | Refinance | CashOut-Other | 13869 | |||||||
| SAIF2025CES3243 | D | A | A | A | D | A | N/A | N/A | Compliance | 6/4/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the lender credits that cannot decrease test. Lender credits decreased from $1250 to $0 on the final CD. Valid Change of Circumstance of cure of $1250 needed to clear finding. | 6/11/2025: Valid COC provided clearing exception. | 70000 | redacted | Primary | Refinance | CashOut-Other | 13870 | |||||||
| SAIF2025CES3247 | C | A | C | A | A | A | N/A | N/A | Credit | 6/3/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | File missing full PUD rider signed by the borrower. | 6/11/2025: PUD rider provided clearing exception. | 73000 | redacted | Primary | Refinance | CashOut-Other | 13833 | |||||||
| SAIF2025CES3247 | C | A | C | A | A | A | N/A | N/A | Credit | 6/3/2025 | 6/23/2025 | Cleared | A | C | A | Credit | DTI | DTI exceeds maximum | DTI of 51.140% exceeds maximum allowed of 50%. 401K loans in the amounts of $30.38, $104.85 and $57.67 as shown on borrower's paystubs were not included in the DTI calculations. Guidelines state payment on this type of loan is not required to be included in the debt-to-income ratio provided the applicable loan instrument shows the Borrower's financial asset as collateral for the loan. Loan instrument showing this was not provided. | 6/23/2025: Clarification from client received stating " If it is clearly identified as a 401k loan on the paystub, we would not seek any further and would exclude the same from the DTI ratio" Exception cleared. | 73000 | redacted | Primary | Refinance | CashOut-Other | 13842 | |||||||
| SAIF2025CES3248 | D | A | A | A | D | A | N/A | N/A | Compliance | 6/3/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the lender credits that cannot decrease test. Lender Credits decreased from $975.00 on the initial LE dated 4/22/2025 to $0 on the final LE dated 5/22/25 without a valid chance of circumstance. A reimbursement of $975 or a valid change of circumstance is required to cure the failure. | 6/11/2025: Valid COC provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 13832 | |||||||
| SAIF2025CES3219 | D | A | D | A | A | A | N/A | N/A | Credit | 5/23/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | Missing 2 years of W-2's for the Borrower as required by guidelines 6/4/2025: Documentation was not uploaded. Exception remains. | Seller Response: 5-28-25- Uploaded a VOI to meet requirements. Document uploaded to OneDiligence portal | 6/11/2025: Post Closing Written VOE provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 13307 | ||||||
| SAIF2025CES3219 | D | A | D | A | A | A | N/A | N/A | Credit | 5/23/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | Missing 2 paystubs Covering the most recent 30-day period for the Borrower as required by guidelines. 6/4/2025: Documentation was not uploaded. Exception remains. | Seller Response: 5-28-25- Uploaded a VOI to meet requirements. Document uploaded to OneDiligence portal | 6/11/2025: Post Closing Written VOE provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 13308 | ||||||
| SAIF2025CES3257 | C | B | C | B | A | A | N/A | N/A | Credit | 6/4/2025 | 7/9/2025 | Waived | B | C | B | Credit | Employment | Employment Discrepancies | Primary borrower's part-time income was used to qualify, but does not appear consistent. Borrower's most recent start date with employer is 5/1/2025, resulting in a 3 month gap in employment. Borrower's income also reflects fluctuating hours and overall has less than 2 years employment with this employer. Guidelines state for second job employment to be used, a borrower must have at least two years, uninterrupted history on all second or multiple jobs in order to include the income for qualification purposes. | Seller Response: 06/18 - Disagree- Base income considered was from borrower’s part time employment. Documentation(WNVOE) in file supports an original hire date as 1/9/2006 but a most recent hire date of 9/5/2023. Borrower did take a leave of absence from this employer mid-February 2025 for knee surgery but returned to the job 4/30/25 as stated in her LOX in file. Most recent YTD stub dated 5/12/25 for period 4/21/25 thru 5/4/25 supports a 4/30/25 return to work date as 1 week of employment was demonstrated. I agree the most recent history did not demonstrate a full 2 years but the history demonstrated was felt to be sufficient for part time primary employment.This was not a second job. Historical analysis on CFA demonstrates a positive trend in gross earnings & the income was consistent. UW used YTD/Prior 2 years average as a more conservative approach for qualifying. History based on 16.37 months of base earnings. 623/2025: Guidelines state "A Borrower must have at least two years, uninterrupted history on all second or multiple jobs in order to include the income for qualification purposes. If this income is received for less than two years, it may be considered as a Compensating Factor only." While documentation was provided for the leave of absence, at least two years of uninterrupted history was not provided. Exception remains. Seller Response: 6-27 - Remediation pending Seller Response 7/7/2025: Pending remediation |
7/9/2025: Waived by client with compensating factors of Strong credit, paying off all debt, small loan amount. |
Strong credit, paying off all debt, small loan amount. | 54800 | redacted | Primary | Refinance | CashOut-Other | 13881 | |||||
| SAIF2025CES3257 | C | B | C | B | A | A | N/A | N/A | Credit | 6/4/2025 | 7/9/2025 | Waived | B | C | B | Credit | DTI | DTI exceeds maximum | DTI exceeds 50% due to ineligible income considered for primary borrower. | Seller Response: 06/18 - Disagree- Base income considered was from borrower’s part time employment. Documentation(WNVOE) in file supports an original hire date as 1/9/2006 but a most recent hire date of 9/5/2023. Borrower did take a leave of absence from this employer mid-February 2025 for knee surgery but returned to the job 4/30/25 as stated in her LOX in file. Most recent YTD stub dated 5/12/25 for period 4/21/25 thru 5/4/25 supports a 4/30/25 return to work date as 1 week of employment was demonstrated. I agree the most recent history did not demonstrate a full 2 years but the history demonstrated was felt to be sufficient for part time primary employment.This was not a second job. Historical analysis on CFA demonstrates a positive trend in gross earnings & the income was consistent. UW used YTD/Prior 2 years average as a more conservative approach for qualifying. History based on 16.37 months of base earnings. 623/2025: Guidelines state "A Borrower must have at least two years, uninterrupted history on all second or multiple jobs in order to include the income for qualification purposes. If this income is received for less than two years, it may be considered as a Compensating Factor only." While documentation was provided for the leave of absence, at least two years of uninterrupted history was not provided. Exception remains. Seller Response: 6-27 - Remediation pending Seller Response 7/7/2025: Pending remediation |
7/9/2025: DTI without part time job was 56.799%, 45.84% with income being used. Waived by client to include income with compensating factors of Strong credit, paying off all debt, small loan amount. |
Strong credit, paying off all debt, small loan amount. | 54800 | redacted | Primary | Refinance | CashOut-Other | 13887 | |||||
| SAIF2025CES3256 | D | A | D | A | D | A | N/A | N/A | Credit | 6/5/2025 | 6/23/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Missing income Docs | For primary borrower, missing 2024 W2 for current employer and missing VOE from prior employment within last 2 years. | 6/23/2025: WVOE provided clearing exception. | 75000 | redacted | Primary | Refinance | CashOut-Other | 13899 | |||||||
| SAIF2025CES3256 | D | A | D | A | D | A | N/A | N/A | Credit | 6/5/2025 | 7/8/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Missing income Docs | 2023 and 2024 used to qualify co-borrower were not signed/dated as required per guidelines. | 7/8/2025: Signed tax returns provided clearing exception. | 75000 | redacted | Primary | Refinance | CashOut-Other | 13900 | |||||||
| SAIF2025CES3256 | D | A | D | A | D | A | N/A | N/A | Compliance | 6/6/2025 | 6/23/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan origination fee increased from $1000 to $1500. Valid COC or cure of $500 required. | 6/23/2025: Valid COC provided clearing exception. | 75000 | redacted | Primary | Refinance | CashOut-Other | 14043 | |||||||
| SAIF2025CES3256 | D | A | D | A | D | A | N/A | N/A | Compliance | 6/6/2025 | 6/23/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | Loan failed the Charges That In Total Cannot Increase More Than 10% Test. Fees increased form $595 to $660 on the final CD. Cure of $5.50 or valid change of circumstance required | 6/23/2025: Valid COC provided clearing exception. | 75000 | redacted | Primary | Refinance | CashOut-Other | 14044 | |||||||
| SAIF2025CES3220 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/23/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan failed the QM points and fees test | 101000 | redacted | Primary | Refinance | CashOut-Other | 13309 | |||||||||
| SAIF2025CES3220 | D | B | A | A | D | B | N/A | N/A | Compliance | 5/23/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2454.00 to $2934.05. A reimbursement of $480.05 or a Valid change of circumstance is required to cure the failure. | 6/4/2025: Valid COC provided clearing exception. | 101000 | redacted | Primary | Refinance | CashOut-Other | 13310 | ||||||||
| SAIF2025CES3221 | B | B | A | A | B | B | N/A | N/A | Compliance | 5/22/2025 | Open | B | B | B | Compliance | QM | QM | This loan failed the QM points and fees test | 120000 | redacted | Primary | Refinance | CashOut-Other | 13084 | |||||||||
| SAIF2025CES3222 | D | A | A | A | D | A | N/A | N/A | Compliance | 5/22/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Discount point increased from $1341 to $1648.20 without a valid change of circumstance. Cure of $307.20 or Change of circumstance information required. | 6/4/2025: Change of Circumstance provided clearing exception | 61500 | redacted | Primary | Refinance | CashOut-Other | 13047 | |||||||
| SAIF2025CES3223 | D | A | D | A | A | A | N/A | N/A | Credit | 5/22/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | File Missing 2 paystubs for the Borrower Covering the most recent 30-day period. File only contains one for the Borrower. | 6/4/2025: Post closing VOE provided clearing exception. | 65000 | redacted | Primary | Refinance | CashOut-Other | 13125 | |||||||
| SAIF2025CES3223 | D | A | D | A | A | A | N/A | N/A | Credit | 5/22/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | File Missing 2 paystubs for the Co-Borrower Covering the most recent 30-day period. File only contains one for the Co-Borrower. | 6/4/2025: Post closing VOE provided clearing exception. | 65000 | redacted | Primary | Refinance | CashOut-Other | 13126 | |||||||
| SAIF2025CES3223 | D | A | D | A | A | A | N/A | N/A | Credit | 5/23/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Doc | Missing 2024 W2 for borrowers current employer | 6/4/2025 W-2s provided clearing exception. | 65000 | redacted | Primary | Refinance | CashOut-Other | 13403 | |||||||
| SAIF2025CES3239 | D | A | D | A | A | A | N/A | N/A | Credit | 5/30/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | File is missing personal tax returns, 1099, or bank statements to support pension income for Primary borrower. | 6/11/2025: Retirement documentation provided clearing exception. | 52427 | redacted | Primary | Refinance | CashOut-Other | 13735 | |||||||
| SAIF2025CES3244 | D | A | D | A | D | A | N/A | N/A | Credit | 6/3/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | PUD rider missing signature page signed by borrower. | 6/11/2025: PUD rider provided clearing exception | 110000 | redacted | Primary | Refinance | CashOut-Other | 13798 | |||||||
| SAIF2025CES3244 | D | A | D | A | D | A | N/A | N/A | Compliance | 6/3/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing Documentation - Miscellaneous | This loan failed the written list of service providers disclosure date test. The written list of service providers disclosure date is more than 3 business days after the application date. | 6/11/2025: Providers list provided clearing exception. | 110000 | redacted | Primary | Refinance | CashOut-Other | 13803 | |||||||
| SAIF2025CES3244 | D | A | D | A | D | A | N/A | N/A | Compliance | 6/3/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Since the Loan failed the written list of service providers disclosure date test. A reimbursement of $3,462.88 or evidence that the provider's list was provided within 3 days of the application date. | 6/11/2025: Valid COC provided clearing exception. | 110000 | redacted | Primary | Refinance | CashOut-Other | 13804 | |||||||
| SAIF2025CES3244 | D | A | D | A | D | A | N/A | N/A | Compliance | 6/3/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the Charges That In Total Cannot Increase More Than 10% Test. Since the Loan failed the written list of service providers disclosure date test. A reimbursement of $519.00 or evidence that the provider's list was provided within 3 days of the application date. | 6/11/2025: Valid COC provided clearing exception. | 110000 | redacted | Primary | Refinance | CashOut-Other | 13805 | |||||||
| SAIF2025CES3244 | D | A | D | A | D | A | N/A | N/A | Compliance | 6/3/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing Documentation - Miscellaneous | This loan failed the initial loan estimate delivery date test (from application). The initial loan estimate delivery date is later than the third business day after the creditor received the consumer's application. | 6/11/2025: Initial LE provided clearing exception. | 110000 | redacted | Primary | Refinance | CashOut-Other | 13806 | |||||||
| SAIF2025CES3227 | D | A | D | A | A | A | N/A | N/A | Credit | 5/28/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Credit | Employment | Employment Discrepancies | Length of co-borrower's employment cannot be verified. Start date on VVOE in file matches co-borrower's date of birth, 1003 states 12 years employment. | 6/11/2025: corrected VVOE provided clearing exception. | 50000 | redacted | Primary | Refinance | CashOut-Other | 13628 | |||||||
| SAIF2025CES3225 | D | A | D | A | A | A | N/A | N/A | Credit | 5/22/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | Missing 2 years W2s required by guidelines. 20204 W2 only in file. | 6/4/2025: Post closing VOE provided clearing exception. | $60,000.00 | redacted | Primary | Refinance | CashOut-Other | 13049 | |||||||
| SAIF2025CES3225 | D | A | D | A | A | A | N/A | N/A | Credit | 5/22/2025 | 6/4/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | File Missing 2 PayStubs covering the most recent 30-day period for the borrower. Paystub in file is from 3/30/2025-4/12/2025 | 6/4/2025: Post closing VOE provided clearing exception. | $60,000.00 | redacted | Primary | Refinance | CashOut-Other | 13050 | |||||||
| SAIF2025CES3249 | D | A | A | A | D | A | N/A | N/A | Compliance | 6/4/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Compliance | TRID | Tolerance Violation | This loan failed the charges that cannot increase test. Discount points increased from $1420 to $1497.47 and Loan origination fee increased from $1826 to $1926. Valid Change of Circumstance or cure of $177.47 required. | 6/11/2025: Valid COC provided clearing exception. | 96300 | redacted | Primary | Refinance | CashOut-Other | 13875 | |||||||
| SAIF2025CES3245 | B | B | A | A | B | B | N/A | N/A | Compliance | 6/4/2025 | Open | B | B | B | Compliance | HPML | HPML Failure | This loan failed the higher-priced mortgage loan test. | 80700 | redacted | Primary | Refinance | CashOut-Other | 13877 | |||||||||
| SAIF2025CES3245 | B | B | A | A | B | B | N/A | N/A | Compliance | 6/4/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 14.015%. The APR threshold to qualify for a safe harbor is 10.380%. | 80700 | redacted | Primary | Refinance | CashOut-Other | 13878 | |||||||||
| SAIF2025CES3254 | D | B | D | A | A | A | N/A | N/A | Valuation | 6/5/2025 | Waived | B | D | B | Valuation | Value | Value Not supported | Missing secondary valuation required for securitization. Loan has a CU Score of 4.7 and is not eligible for Reps & Warrant Relief. | 6/6/2025 - Waived by client | 66000 | redacted | Primary | Refinance | CashOut-Other | 13902 | ||||||||
| SAIF2025CES3254 | D | B | D | A | A | A | N/A | N/A | Credit | 6/5/2025 | 6/23/2025 | Cleared -Trailing Doc | B | D | B | Credit | Income | Income Docs | Missing income documentation for both borrowers, only VOEs were provided. Missing 2 years W2s and 2 paystubs covering 30 days for each borrower. | 6/23/2025: WVOE provided in lieu of W2s clearing exception. | 66000 | redacted | Primary | Refinance | CashOut-Other | 13904 | |||||||
| SAIF2025CES3240 | B | B | A | A | B | B | N/A | N/A | Compliance | 6/2/2025 | Open | B | B | B | Compliance | QM | HPML Failure | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The loan has an APR of 10.936%. The APR threshold to qualify for a safe harbor is 9.840%. | 80000 | redacted | Primary | Refinance | CashOut-Other | 13752 | |||||||||
| SAIF2025CES3240 | B | B | A | A | B | B | N/A | N/A | Compliance | 6/2/2025 | Open | B | B | B | Compliance | QM | HPML Failure | This loan failed the higher-priced mortgage loan test. ( | 80000 | redacted | Primary | Refinance | CashOut-Other | 13753 | |||||||||
| SAIF2025CES3250 | D | A | D | A | A | A | N/A | N/A | Credit | 6/2/2025 | 7/1/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | File Missing a paystub covering the most recent 30-day period. | 7/1/2025: Additional paystub received clearing exception. | 55000 | redacted | Primary | Refinance | CashOut-Other | 13790 | |||||||
| SAIF2025CES3228 | D | A | D | A | A | A | N/A | N/A | Credit | 5/27/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | Missing copy of tax returns, 1099s or bank statements showing deposit of funds required for retirement income per guidelines. | 6/11/2025: Retirement documentation provided clearing exception | 50000 | redacted | Primary | Refinance | CashOut-Other | 13604 | |||||||
| SAIF2025CES3234 | D | A | D | A | A | A | N/A | N/A | Credit | 5/29/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | Missing current award letter to support pension income for both borrowers. | 6/11/2025: Retirement documentation provided clearing exception. | 61500 | redacted | Primary | Refinance | CashOut-Other | 13697 | |||||||
| SAIF2025CES3263 | D | A | D | A | D | A | N/A | N/A | Credit | 6/3/2025 | 6/22/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | File is missing final signed 1003. | 6/22/2025: final 1003 received clearing exception. | 67000 | redacted | Primary | Refinance | CashOut-Other | 13843 | |||||||
| SAIF2025CES3263 | D | A | D | A | D | A | N/A | N/A | Credit | 6/3/2025 | 6/22/2025 | Cleared -Trailing Doc | A | D | A | Credit | Documentation | Missing Documentation - Miscellaneous | Missing Patriot Act Information Form with ID details. | 6/22/2025: Patriot Act Form received clearing exception. | 67000 | redacted | Primary | Refinance | CashOut-Other | 13846 | |||||||
| SAIF2025CES3263 | D | A | D | A | D | A | N/A | N/A | Compliance | 6/5/2025 | 6/22/2025 | Cleared -Trailing Doc | A | D | A | Compliance | Documentation | Missing DocumentationMiscellaneous | This loan failed the charges that cannot increase test. Loan Discount Points increased from $715 to $1293.10. Valid COC or cure of $578.10 required. | 6/22/2025: Valid COC provided clearing exception. | 67000 | redacted | Primary | Refinance | CashOut-Other | 13890 | |||||||
| SAIF2025CES3241 | D | A | D | A | A | A | N/A | N/A | Credit | 5/28/2025 | 6/11/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | Missing copy of current award letter to support pension income as required per guidelines. | 6/11/2025: Retirement documentation provided clearing exception | 55000 | redacted | Primary | Refinance | CashOut-Other | 13658 | |||||||
| SAIF2025CES3264 | D | B | A | A | A | A | N/A | N/A | Valuation | 6/6/2025 | 6/6/2025 | Waived | B | D | B | Valuation | Value | Value Not supported | Missing secondary valuation required for securitization. Loan has a CU Score of 2.6 and is not eligible for Reps & Warrant Relief. Waived by client | 6/6/2025: Waived by client | 76000 | redacted | Primary | Refinance | CashOut-Other | 14022 | |||||||
| SAIF2025CES3258 | B | B | B | B | A | A | N/A | N/A | Credit | 6/4/2025 | Open | B | B | B | Valuation | Appraisal | Discrepancies in information | Parcel number on Appraisal does not match legal description on mortgage or the title search. | 54500 | redacted | Primary | Refinance | CashOut-Other | 13876 | |||||||||
| SAIF2025CES3260 | D | B | D | A | B | B | N/A | N/A | Credit | 6/4/2025 | 6/23/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | Business Tax returns are not signed by the borrower as required by guidelines. | 6/23/2025: Signed tax returns received clearing exception. | 200000 | redacted | Primary | Refinance | CashOut-Other | 13854 | |||||||
| SAIF2025CES3260 | D | B | D | A | B | B | N/A | N/A | Credit | 6/4/2025 | 6/23/2025 | Cleared -Trailing Doc | A | D | A | Credit | Income | Income Docs | Personal Tax returns are not signed by the borrower as required by guidelines. | 6/23/2025: Signed tax returns received clearing exception. | 200000 | redacted | Primary | Refinance | CashOut-Other | 13855 | |||||||
| SAIF2025CES3260 | D | B | D | A | B | B | N/A | N/A | Compliance | 6/4/2025 | Open | B | B | B | Compliance | QM | QM Failure | This loan failed Qualified Mortgage Lending Policy Points and Fees Test | 200000 | redacted | Primary | Refinance | CashOut-Other | 13862 |