j.p. morgan acceptance corporation ii ABS 15G
Exhibit 99.13
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | 304492205 | Closed | 2024-12-30 20:08 | 2025-01-08 17:11 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Updated loan discount fee and able to resolve finding. - Due Diligence Vendor-01/08/2025 Resolved- - Due Diligence Vendor-01/08/2025 Ready for Review-Please re-run fees and advise what is needed. points were not entered correctly on mavent - Seller-01/07/2025 Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/30/2024 |
Ready for Review-Please re-run fees and advise what is needed. points were not entered correctly on mavent - Seller-01/07/2025 |
Resolved-Updated loan discount fee and able to resolve finding. - Due Diligence Vendor-01/08/2025 Resolved- - Due Diligence Vendor-01/08/2025 |
GA | Investment | Refinance | Cash Out - Other | 3106053 | N/A | N/A | ||||
| XXXX | XXXX | 304492205 | Closed | 2024-12-18 13:00 | 2025-01-08 16:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/30/2024 Resolved-Lender provided Flood cert in Zone AE. Finding resolved. - Due Diligence Vendor-12/30/2024 Ready for Review-Document Uploaded. Uploaded for review - Seller-12/27/2024 Open-Missing Flood Certificate Missing Flood cert. - Due Diligence Vendor-12/18/2024 |
Ready for Review-Document Uploaded. Uploaded for review - Seller-12/27/2024 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/30/2024 Resolved-Lender provided Flood cert in Zone AE. Finding resolved. - Due Diligence Vendor-12/30/2024 |
XXXX | GA | Investment | Refinance | Cash Out - Other | 3030318 | N/A | N/A | |||
| XXXX | XXXX | 304492205 | Closed | 2024-12-30 19:57 | 2025-01-08 16:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-01/08/2025 Resolved-Lender provided Flood insurance declaration page. Finding resolved. - Due Diligence Vendor-01/08/2025 Ready for Review-Document Uploaded. Flood provided for review - Seller-01/07/2025 Open-Missing Flood Insurance Policy - Due Diligence Vendor-12/30/2024 |
Ready for Review-Document Uploaded. Flood provided for review - Seller-01/07/2025 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-01/08/2025 Resolved-Lender provided Flood insurance declaration page. Finding resolved. - Due Diligence Vendor-01/08/2025 |
XXXX | GA | Investment | Refinance | Cash Out - Other | 3105929 | N/A | N/A | |||
| XXXX | XXXX | 304492205 | Closed | 2024-12-24 02:17 | 2024-12-30 20:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided executed Initial CD. Finding resolved. - Due Diligence Vendor-12/30/2024 Ready for Review-Document Uploaded. Uploaded for review - Buyer-12/27/2024 Open-TRID: Missing Closing Disclosure Please provided Initial CD. Currently missing from file. - Due Diligence Vendor-12/24/2024 |
Resolved-Lender provided executed Initial CD. Finding resolved. - Due Diligence Vendor-12/30/2024 |
XXXX | GA | Investment | Refinance | Cash Out - Other | 3073062 | N/A | N/A | ||||
| XXXX | XXXX | 304492205 | Closed | 2024-12-18 14:44 | 2024-12-30 19:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Evidence of self employment is provided. Finding resolved. - Due Diligence Vendor-12/30/2024 Ready for Review-Document Uploaded. Uploaded for review - Seller-12/26/2024 Open-Provide evidence of self employment which is missing in the file - Due Diligence Vendor-12/18/2024 |
Ready for Review-Document Uploaded. Uploaded for review - Seller-12/26/2024 |
Resolved-Evidence of self employment is provided. Finding resolved. - Due Diligence Vendor-12/30/2024 |
XXXX | GA | Investment | Refinance | Cash Out - Other | 3031281 | N/A | N/A | |||
| XXXX | XXXX | 304492205 | Closed | 2024-12-18 14:49 | 2024-12-27 07:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. - Due Diligence Vendor-12/27/2024 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/27/2024 Ready for Review-Document Uploaded. Uploaded for review - Seller-12/26/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE with in 10 days of closing date is Missing - Due Diligence Vendor-12/18/2024 |
Ready for Review-Document Uploaded. Uploaded for review - Seller-12/26/2024 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. - Due Diligence Vendor-12/27/2024 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/27/2024 |
XXXX | GA | Investment | Refinance | Cash Out - Other | 3031379 | N/A | N/A | |||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-27 20:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Underwriting Fee (Fee ID: 8) | Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 Open-The New Jersey Residential Mortgage Lending Act (XXXX; XXXX) does not allow Underwriting Fee (Fee ID: 8) to be charged to the Borrower in NJ. - Due Diligence Vendor-02/05/2025 |
Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353460 | N/A | N/A | |||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-27 20:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Wire Transfer Fee (Fee ID: 171) | Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 Open-The XXXXResidential Mortgage Lending Act (XXXX; XXXX) does not allow Wire Transfer Fee XXXX) to be charged to the Borrower in NJ. - Due Diligence Vendor-02/05/2025 |
Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353461 | N/A | N/A | |||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-27 20:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Closing Protection Letter (Fee ID: 55) | Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 Open-The XXXX Residential Mortgage Lending Act (XXXX; XXXX) does not allow Closing Protection Letter (XXXX) to be charged to the Borrower in XXXX. - Due Diligence Vendor-02/05/2025 |
Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353462 | N/A | N/A | |||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-27 20:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Resolved-National Banks are exempt fromXXXX Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 Open-The XXXX Residential Mortgage Lending Act (XXXX; XXXX) does not allow Flood Certification Fee (XXXX) to be charged to the Borrower in XXXX. - Due Diligence Vendor-02/05/2025 |
Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353463 | N/A | N/A | |||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-27 20:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Courier Fee (Fee ID: 143) | Resolved-National Banks are exempt from XXXX Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to XXXX High Cost loans - Due Diligence Vendor-02/06/2025 Open-The XXXXResidential Mortgage Lending Act (XXXX; XXXX) does not allow Courier Fee (XXXX) to be charged to the Borrower in XXXX. - Due Diligence Vendor-02/05/2025 |
Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353465 | N/A | N/A | |||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-27 20:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Tax Related Service Fee (Fee ID: 107) | Resolved-National Banks are exempt from XXXX Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to XXXX High Cost loans - Due Diligence Vendor-02/06/2025 Open-The XXXX Residential Mortgage Lending Act (XXXX; XXXX) does not allow Tax Related Service Fee (XXXX) to be charged to the Borrower in XXXX. - Due Diligence Vendor-02/05/2025 |
Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353466 | N/A | N/A | |||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-27 20:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Administration Fee (Fee ID: 141) | Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to XXXX High Cost loans - Due Diligence Vendor-02/06/2025 Open-The XXXX Residential Mortgage Lending Act (XXXX. Rev. Stat. XXXX) does not allow Administration Fee (XXXX) to be charged to the Borrower in XXXX. - Due Diligence Vendor-02/05/2025 |
Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353467 | N/A | N/A | |||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-27 20:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Utilities (Fee ID: 998) | Resolved-National Banks are exempt from XXXX Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to XXXX High Cost loans - Due Diligence Vendor-02/06/2025 Open-The XXXX Residential Mortgage Lending Act (XXXX; XXXX) does not allow Utilities (XXXX) to be charged to the Borrower in XXXX. - Due Diligence Vendor-02/05/2025 |
Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353468 | N/A | N/A | |||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-27 20:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Broker Fees (Fee ID: 99) | Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to XXXX High Cost loans - Due Diligence Vendor-02/06/2025 Open-The XXXX Residential Mortgage Lending Act (XXXX; XXXX) does not allow Broker Fees (XXXX to be charged to the Borrower in XXXX. - Due Diligence Vendor-02/05/2025 |
Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353469 | N/A | N/A | |||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-27 20:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Open taxes (Fee ID: 998) | Resolved-National Banks are exempt from XXXX Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to XXXX High Cost loans - Due Diligence Vendor-02/06/2025 Open-The XXXX Residential Mortgage Lending Act (XXXX; XXXX) does not allow Open taxes (XXXX) to be charged to the Borrower in XXXX. - Due Diligence Vendor-02/05/2025 |
Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353470 | N/A | N/A | |||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-27 20:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Appraisal Desk Review Fee (Fee ID: 135) | Resolved-National Banks are exempt from XXXX Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to XXXX High Cost loans - Due Diligence Vendor-02/06/2025 Open-The XXXX Residential Mortgage Lending Act (XXXX; XXXX) does not allow Appraisal Desk Review Fee (XXXX) to be charged to the Borrower in XXXX. - Due Diligence Vendor-02/05/2025 |
Resolved-National Banks are exempt from NJ Prohibited Fees statute - Due Diligence Vendor-02/27/2025 Acknowledged-Federal Preemption Overlay is being applied to NJ High Cost loans - Due Diligence Vendor-02/06/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353471 | N/A | N/A | |||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-06 20:54 | 2025-02-12 13:15 | Resolved | 1 - Information | C | A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-The borrower took the loan and vested in their own individual name which automatically assigns them as the obligator on the note and thus, the personal guarantor. Full resource not needed for this file. - Due Diligence Vendor-02/12/2025 Ready for Review-The borrower took the loan and vested in their own individual name which automatically assigns them as the obligator on the note and thus, the personal guarantor. Full personal recourse is when a loan is closing in an LLC and the owner (natural person) also is signing as personal guarantor/recourse. Full resource not needed for this file. - Seller-02/11/2025 Open-per guidelines full personal recourse required, not in file. - Due Diligence Vendor-02/06/2025 |
Ready for Review-The borrower took the loan and vested in their own individual name which automatically assigns them as the obligator on the note and thus, the personal guarantor. Full personal recourse is when a loan is closing in an LLC and the owner (natural person) also is signing as personal guarantor/recourse. Full resource not needed for this file. - Seller-02/11/2025 |
Resolved-The borrower took the loan and vested in their own individual name which automatically assigns them as the obligator on the note and thus, the personal guarantor. Full resource not needed for this file. - Due Diligence Vendor-02/12/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3369607 | N/A | N/A | ||||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:36 | 2025-02-12 13:14 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient Income Documentation | Resolved-Income documentation ok. - Due Diligence Vendor-02/12/2025 Ready for Review-Document Uploaded. The reason for the difference is depreciation that you are allowed to add back to the income. So technically it was XXXX + XXXX for depreciation, bringing the total to XXXX=XXXX - Seller-02/11/2025 Open-Provided P&L on page #195 shows income as XXXX, However per 1008 page #360 and final 1003 page #337, income is XXXX. Provide updated documentation. - Due Diligence Vendor-02/05/2025 |
Ready for Review-Document Uploaded. The reason for the difference is depreciation that you are allowed to add back to the income. So technically it was XXXX + XXXX for depreciation, bringing the total to XXXX=XXXX- Seller-02/11/2025 |
Resolved-Income documentation ok. - Due Diligence Vendor-02/12/2025 |
XXXX | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353672 | N/A | N/A | |||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:45 | 2025-02-10 07:34 | Resolved | 1 - Information | C | A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Quontic condition approval document provided. - Due Diligence Vendor-02/10/2025 Ready for Review-Document Uploaded. - Seller-02/07/2025 Open-Provide Quontic condition approval doc. - Due Diligence Vendor-02/05/2025 |
Ready for Review-Document Uploaded. - Seller-02/07/2025 |
Resolved-Quontic condition approval document provided. - Due Diligence Vendor-02/10/2025 |
XXXX | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353756 | N/A | N/A | |||
| XXXX | XXXX | 304654987 | Closed | 2025-02-05 13:12 | 2025-02-05 13:29 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 76. An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 252 , and copy of the appraisal was given to the borrower – see Pg#’s 9 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #62. The loan meets XXXXguidelines - Due Diligence Vendor-02/05/2025 | Resolved-The loan's (10.417%) APR equals or exceeds the Federal HPML threshold of (10.39%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 76. An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 252 , and copy of the appraisal was given to the borrower – see Pg#’s 9 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #62. The loan meets HPML guidelines - Due Diligence Vendor-02/05/2025 |
NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3353464 | N/A | N/A | |||||
| XXXX | XXXX | 304654989 | Closed | 2025-02-06 06:36 | 2025-02-12 13:18 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Appraisal delivery provided. - Due Diligence Vendor-02/12/2025 Ready for Review-Document Uploaded. - Seller-02/11/2025 Open-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 58. An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 244, and copy of the appraisal was given to the borrower – see Pg#’s 4 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page MISSING. The loan does not meets XXXX guidelines - Due Diligence Vendor-02/06/2025 |
Ready for Review-Document Uploaded. - Seller-02/11/2025 |
Resolved-Appraisal delivery provided. - Due Diligence Vendor-02/12/2025 |
XXXX | MI | Primary Residence | Refinance | Cash Out - Other | 3362432 | N/A | N/A | |||
| XXXX | XXXX | 304654986 | Closed | 2025-02-05 23:50 | 2025-02-26 11:51 | Resolved | 1 - Information | C | A | Credit | Credit | DTI unknown | Resolved-DTI is now in line received updated 1008 - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. - Seller-02/25/2025 Counter-Based on the 1008 the XXXX is being added twice as it is already being accounted for in the XXXX equation. Need updated 1008 excluding the XXXX and the DTI will be at XXXX and back at XXXX - Due Diligence Vendor-02/21/2025 Ready for Review-Regarding below, the subject first lien is an XXXX loan. The P&I includes the MI payment that is due on the first (XXX), thus: Principal $1XXXX + Interest $XXXX + XXXX = $XXXX for first lien payment. HOI and Taxes were separately verified. We would not break out the MI onto the MI field in this instance since we are not collecting/charging it on the 2nd HELOAN, so it is lumped into the first mortgage to account for that required monthly amount. 1008 and DTI are accurate as was reported. - Seller-02/19/2025 Open-Need updated 1008. Primary mortgage payment is XXXX+XXXX+XXXX+XXXX1=XXXX payment for first lien with escrow is at3XXXX. current 1008 has it at XXXX and payment for the subject lien at XXXXand it is XXXX+XXXX rent loss. gives amount of XXXX for the back end DTI and XXXX for the front end. - Due Diligence Vendor-02/05/2025 |
Ready for Review-Document Uploaded. - Seller-02/25/2025 Ready for Review-Regarding below, the subject first lien is an FHA loan. The P&I includes the MI payment that is due on the first (XXXX), thus: Principal $XXXX + Interest $XXXX + MI $3XXXX= $XXXX for first lien payment. HOI and Taxes were separately verified. We would not break out the MI onto the MI field in this instance since we are not collecting/charging it on the 2nd HELOAN, so it is lumped into the first mortgage to account for that required monthly amount. 1008 and DTI are accurate as was reported. - Seller-02/19/2025 |
Resolved-DTI is now in line received updated 1008 - Due Diligence Vendor-02/26/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3361234 | N/A | N/A | |||
| XXXX | XXXX | 304654986 | Closed | 2025-02-05 09:54 | 2025-02-07 13:09 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Received receipt of appraisal. - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. Please see attached screenshot of appraisal being provided to borrower on 12/12/2024 - Seller-02/06/2025 Open-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX(a)(iii)) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’59 Rate lock date was entered correctly – see Pg#’s 56,233 An interior and exterior appraisal was completed for this property – see pg#22, ECOA Appraisal Disclosure OR the LE’s page as the page#321. confirmation the appraisal was delivered to the borrower – see Pg#’s missing. - Due Diligence Vendor-02/05/2025 |
Ready for Review-Document Uploaded. Please see attached screenshot of appraisal being provided to borrower on 12/12/2024 - Seller-02/06/2025 |
Resolved-Received receipt of appraisal. - Due Diligence Vendor-02/07/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3352646 | N/A | N/A | |||
| XXXX | XXXX | 304654986 | Closed | 2025-02-05 09:54 | 2025-02-07 13:07 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Received receipt of appraisal. - Due Diligence Vendor-02/07/2025 Open-The loan's (11.103%) APR equals or exceeds the Federal XXXX threshold of (10.13%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 XXXX This loan failed the higher-priced mortgage loan test. (XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’59 Rate lock date was entered correctly – see Pg#’s 56,233 An interior and exterior appraisal was completed for this property – see pg#22, ECOA Appraisal Disclosure OR the LE’s page as the page#321. confirmation the appraisal was delivered to the borrower – see Pg#’s findings received receipt of appraisal. This meets guidelines - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. Please see attached screenshot of appraisal being provided to borrower on 12/12/2024 - Seller-02/06/2025 |
Ready for Review-Document Uploaded. Please see attached screenshot of appraisal being provided to borrower on 12/12/2024 - Seller-02/06/2025 |
Resolved-Received receipt of appraisal. - Due Diligence Vendor-02/07/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3352645 | N/A | N/A | |||
| XXXX | XXXX | 304654986 | Closed | 2025-02-05 10:30 | 2025-02-07 10:03 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Borrower Certification of Appraisal Delivery is Missing | Resolved-Appraisal receipt acknowledgement document provided. - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. Please see attached screenshot of appraisal being provided to borrower on 12/12/2024 - Seller-02/06/2025 Open-For HPML fails, require appraisal receipt acknowledgement document which is missing in file. - Due Diligence Vendor-02/05/2025 |
Ready for Review-Document Uploaded. Please see attached screenshot of appraisal being provided to borrower on 12/12/2024 - Seller-02/06/2025 |
Resolved-Appraisal receipt acknowledgement document provided. - Due Diligence Vendor-02/07/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3352718 | N/A | N/A | |||
| XXXX | XXXX | 304654988 | Closed | 2025-02-05 12:27 | 2025-02-21 06:56 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 document provided with Corrected FICO. - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. - Seller-02/20/2025 Open-Qualifying FICO on the 1008 Page is '750' or blank, but the Qualifying FICO from the Credit Liabilities Page is '756' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Updated as per latest credit report mid score is 756 but Qualifying FICO on the 1008 Page is '750' . - Due Diligence Vendor-02/06/2025 |
Ready for Review-Document Uploaded. - Seller-02/20/2025 |
Resolved-Updated 1008 document provided with Corrected FICO. - Due Diligence Vendor-02/21/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3353202 | N/A | N/A | |||
| XXXX | XXXX | 304654988 | Closed | 2025-02-06 02:38 | 2025-02-12 12:54 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Date updated. - Due Diligence Vendor-02/12/2025 Ready for Review-Document Uploaded. Date listewd as bottom of SSPL is 12/06, same day as initial LE - Seller-02/11/2025 Open-The List of Settlement Service Providers Disclosure Date (XXXX) is more than 3 business days from the Application Date XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XXXXi); XXXX) initial LE date is XXXX and revised LE isXXXX Three business days from the Application Date. - Due Diligence Vendor-02/06/2025 |
Ready for Review-Document Uploaded. Date listewd as bottom of SSPL is 12/06, same day as initial LE - Seller-02/11/2025 |
Resolved-Date updated. - Due Diligence Vendor-02/12/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3361987 | N/A | N/A | |||
| XXXX | XXXX | 304654988 | Closed | 2025-02-06 02:38 | 2025-02-12 12:51 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Appraisal delivery provided. - Due Diligence Vendor-02/12/2025 Ready for Review-Document Uploaded. Please see attached screenshot indicated appraisal was provided to borrower on 12/31 - Seller-02/11/2025 Open-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (10.48%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXXThis loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’52 Rate lock date was entered correctly – see Pg#’s 158,51 An interior and exterior appraisal was completed for this property – see pg#11, ECOA Appraisal Disclosure OR the LE’s page as the page#210. confirmation the appraisal was delivered to the borrower – see Pg#’s missing. - Due Diligence Vendor-02/06/2025 |
Ready for Review-Document Uploaded. Please see attached screenshot indicated appraisal was provided to borrower on 12/31 - Seller-02/11/2025 |
Resolved-Appraisal delivery provided. - Due Diligence Vendor-02/12/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3361988 | N/A | N/A | |||
| XXXX | XXXX | 304654988 | Closed | 2025-02-06 03:01 | 2025-02-12 08:32 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Borrower Certification of Appraisal Delivery is Missing | Resolved-Appraisal receipt acknowledgement document provided. - Due Diligence Vendor-02/12/2025 Ready for Review-Document Uploaded. - Seller-02/11/2025 Open-For XXXX fails, require appraisal receipt acknowledgement document which is missing in file. - Due Diligence Vendor-02/06/2025 |
Ready for Review-Document Uploaded. - Seller-02/11/2025 |
Resolved-Appraisal receipt acknowledgement document provided. - Due Diligence Vendor-02/12/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3362012 | N/A | N/A | |||
| XXXX | XXXX | 304654984 | Closed | 2025-02-11 15:17 | 2025-03-31 21:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/19/2025 Ready for Review-Document Uploaded. - Buyer-02/18/2025 Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower 1 is Non-Permanent Resident Alien and missing non US ID to determine residence country of borrower. - Due Diligence Vendor-02/11/2025 |
Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/19/2025 |
XXXX | CT | Primary Residence | Refinance | Cash Out - Other | 3395998 | N/A | N/A | ||||
| XXXX | XXXX | 304654984 | Closed | 2025-02-14 22:26 | 2025-02-19 19:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Audited CLTV of XXXX% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/19/2025 Resolved-Upon review of Quontic GLs, qualifying FICO score of 720+ for Primary home is XXXX%. Updating per GLs. Finding resolved. - Due Diligence Vendor-02/19/2025 Ready for Review-Document Uploaded. Per GL's, allowed up to XXXX% Please Rescind and utilize GL's for Quontic Second Lien files. - Buyer-02/18/2025 Open-Audited CLTV of XXXX% exceeds Guideline CLTV of XXXX% Upon review of Quontic GLs, max LTV for 2nd Lien with FICO of XXXX+ is XXXX%. - Due Diligence Vendor-02/14/2025 |
Resolved-Audited CLTV of XXXX% is less than or equal to Guideline CLTV of XXXX% - Due Diligence Vendor-02/19/2025 Resolved-Upon review of Quontic GLs, qualifying FICO score of XXXX+ for Primary home is XXXX%. Updating per GLs. Finding resolved. - Due Diligence Vendor-02/19/2025 |
XXXX | CT | Primary Residence | Refinance | Cash Out - Other | 3429559 | N/A | N/A | ||||
| XXXX | XXXX | 304654984 | Closed | 2025-02-11 15:54 | 2025-02-11 15:56 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’94 Rate lock date was entered correctly – see Pg#’s 245 An interior and exterior appraisal was completed for this property – see pg#8, ECOA Appraisal Disclosure OR the LE’s page as the page#296. confirmation the appraisal was delivered to the borrower – see Pg#’s 5 - Due Diligence Vendor-02/11/2025 |
Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’94 Rate lock date was entered correctly – see Pg#’s 245 An interior and exterior appraisal was completed for this property – see pg#8, ECOA Appraisal Disclosure OR the LE’s page as the page#296. confirmation the appraisal was delivered to the borrower – see Pg#’s 5 - Due Diligence Vendor-02/11/2025 |
CT | Primary Residence | Refinance | Cash Out - Other | 3396681 | N/A | N/A | |||||
| XXXX | XXXX | 304654945 | Closed | 2025-02-28 08:58 | 2025-03-18 23:54 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC form updated to loan review. Mavent is passing, resolved. - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. docs attached - Buyer-03/17/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX and comments XXXX and -XXXX; XXXX;XXXX). Missing COC for for LC decreased to $0 on Initial CD, Final CD and PCCD. - Due Diligence Vendor-02/28/2025 |
Resolved-COC form updated to loan review. Mavent is passing, resolved. - Due Diligence Vendor-03/18/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3499142 | N/A | N/A | ||||
| XXXX | XXXX | 304654945 | Closed | 2025-03-03 16:36 | 2025-03-10 21:36 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. see attached page 3 Amended Escrow Instructions dated 2/4/2025 - Buyer-03/07/2025 Open-Property Title Issue Per mortgage property is vested in borrower and non bwr spouse as joint tenants. However policy provide reflects the property is vested in borrower and non bwr spouse as co-trustees of living family trust - Due Diligence Vendor-03/03/2025 |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/10/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3513183 | N/A | N/A | ||||
| XXXX | XXXX | 304654945 | Closed | 2025-02-28 08:58 | 2025-03-03 17:15 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds theXXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, per the other considerations section of Initial LE issued within XXXX business days from the application date, a copy of the appraisal was given to the borrower – see Pg# XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-02/28/2025 | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX This loan failed the higher-priced mortgage loan test.XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, per the other considerations section of Initial LE issued within XXXX business days from the application date, a copy of the appraisal was given to the borrower – see Pg# XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-02/28/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3499141 | N/A | N/A | |||||
| XXXX | XXXX | 304654945 | Closed | 2025-02-28 08:58 | 2025-03-03 17:15 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXX (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, per the other considerations section of Initial LE issued within XXXX business days from the application date, a copy of the appraisal was given to the borrower – see Pg# XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-02/28/2025 | Resolved-This is a XXXX (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, per the other considerations section of Initial LE issued within XXXX business days from the application date, a copy of the appraisal was given to the borrower – see Pg# XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-02/28/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3499143 | N/A | N/A | |||||
| XXXX | XXXX | 304654956 | Closed | 2025-03-05 16:26 | 2025-03-05 16:33 | Resolved | 1 - Information | A | A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Property potentially affected by XXXX Disaster ID XXXX. XXXX, XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. Full appraisal completed XXXX. - Due Diligence Vendor-03/05/2025 |
Resolved-Property potentially affected by XXXX Disaster ID XXXX. WILDFIRES AND STRAIGHT-LINE WINDS, XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. Full appraisal completed XXXX. - Due Diligence Vendor-03/05/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3533051 | N/A | N/A | |||||
| XXXX | XXXX | 304654946 | Closed | 2025-03-03 13:47 | 2025-03-14 16:21 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Final settlement document provided at time of funding, indicating credit/refund paid for by Broker. - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. see attached LOE and CD - Buyer-03/13/2025 Counter-Revised PCCD provided indicating $ XXXX paid by others however no evidence as to refund issued to borrower nor LOX specific to refund and why. Provide evidence of refund to borrower, LOX and method of delivery to borrower. - Due Diligence Vendor-03/13/2025 Ready for Review-Document Uploaded. attached - Buyer-03/11/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX; XXXX; XXXX). Require COC for Appraisal fee (Appraisal rent schedule fee) got increased more than base line and No COC provided for increased fee. - Due Diligence Vendor-03/03/2025 |
Resolved-Final settlement document provided at time of funding, indicating credit/refund paid for by Broker. - Due Diligence Vendor-03/14/2025 |
XXXX XXXX XXXX |
CA | Investment | Refinance | Cash Out - Other | 3511096 | N/A | N/A | ||||
| XXXX | XXXX | 304654954 | Closed | 2025-03-04 12:55 | 2025-03-12 19:53 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC provided. Condition resolved. - Due Diligence Vendor-03/12/2025 Resolved-Resolved - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. see attached. - Buyer-03/10/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX; XXXX; XXXX). Required COC to cure point fee variance. - Due Diligence Vendor-03/04/2025 |
Resolved-COC provided. Condition resolved. - Due Diligence Vendor-03/12/2025 Resolved-Resolved - Due Diligence Vendor-03/12/2025 |
XXXX XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 3520121 | N/A | N/A | ||||
| XXXX | XXXX | 304654954 | Closed | 2025-03-04 10:35 | 2025-03-07 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/07/2025 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/07/2025 Ready for Review-Document Uploaded. VOE attached. - Buyer-03/06/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE is required in within XXXX business days. - Due Diligence Vendor-03/04/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/07/2025 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/07/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3519524 | N/A | N/A | ||||
| XXXX | XXXX | 304654952 | Closed | 2025-03-07 05:48 | 2025-03-10 10:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement provided. - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. please use mortgage statement, other documents are not needed. - Buyer-03/07/2025 Open-1st lien docs missing from file, Provide Note, Deed of Trust for 1st Lien Mortgage required per guidelines - Due Diligence Vendor-03/07/2025 |
Resolved-Mortgage statement provided. - Due Diligence Vendor-03/10/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3551813 | N/A | N/A | ||||
| XXXX | XXXX | 304654952 | Closed | 2025-03-06 08:30 | 2025-03-07 18:22 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) Requirements of XXXX have been met - Due Diligence Vendor-03/06/2025 | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) Requirements of XXXX have been met - Due Diligence Vendor-03/06/2025 |
CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3540486 | N/A | N/A | |||||
| XXXX | XXXX | 304654952 | Closed | 2025-03-06 08:30 | 2025-03-07 18:22 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXX (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXXof (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX) Requirements of XXXX have been met - Due Diligence Vendor-03/06/2025 | Resolved-This is a XXXX (XXXX). The loan's APR of (XXXX) equals or exceeds the XXXX of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX) Requirements of XXXX have been met - Due Diligence Vendor-03/06/2025 |
CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3540488 | N/A | N/A | |||||
| XXXX | XXXX | 304654953 | Closed | 2025-03-06 07:41 | 2025-03-09 13:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/09/2025 Ready for Review-Document Uploaded. updated 1008 attached. - Buyer-03/07/2025 Open-The 1008 document is missing from the loan file. Provided 1008 document is not reflecting Amount of Subordinate Financing of subject property since it is a second lien file. - Due Diligence Vendor-03/06/2025 |
Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/09/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3540335 | N/A | N/A | ||||
| XXXX | XXXX | 304654957 | Closed | 2025-03-07 18:41 | 2025-03-10 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. VOE attached. - Buyer-03/07/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/07/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/10/2025 |
XXXX XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 3558163 | N/A | N/A | ||||
| XXXX | XXXX | 304654957 | Closed | 2025-03-07 10:15 | 2025-03-07 19:02 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan meets XXXX guidelines - Due Diligence Vendor-03/07/2025 | Resolved-The loan's (XXXX%) APR equals or exceeds theXXXXof (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan meets XXXX guidelines - Due Diligence Vendor-03/07/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3552566 | N/A | N/A | |||||
| XXXX | XXXX | 304654957 | Closed | 2025-03-07 10:15 | 2025-03-07 19:02 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is aXXXX (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX); XXXX) The loan meets XXXX guidelines - Due Diligence Vendor-03/07/2025 | Resolved-This is a XXXX (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX) The loan meets XXXX guidelines - Due Diligence Vendor-03/07/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3552567 | N/A | N/A | |||||
| XXXX | XXXX | 304655024 | Closed | 2025-03-06 14:10 | 2025-03-11 07:37 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-As per Matrix Secondary valuation is not required for Equity advantage loans. - Due Diligence Vendor-03/11/2025 Ready for Review-Secondary valuation is not required for Equity advantage loans. Please clear, thank you - Buyer-03/10/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX LCA score is above XXXX and reflects not eligible - Due Diligence Vendor-03/06/2025 |
Resolved-As per Matrix Secondary valuation is not required for Equity advantage loans. - Due Diligence Vendor-03/11/2025 |
MD | Primary Residence | Refinance | Cash Out - Other | 3542893 | N/A | N/A | |||||
| XXXX | XXXX | 304654947 | Closed | 2025-03-08 09:41 | 2025-03-12 11:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Subordination doc provided. - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. first lien documents attached, mortgage statement. first lien, is in husbands name our borrower is title only - Buyer-03/11/2025 Open-Subordinate lien documents missing for the subject loan. - Due Diligence Vendor-03/08/2025 |
Resolved-Subordination doc provided. - Due Diligence Vendor-03/12/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3563323 | N/A | N/A | ||||
| XXXX | XXXX | 304654947 | Closed | 2025-03-08 06:54 | 2025-03-12 11:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. last page is sig page. - Buyer-03/11/2025 Open-The Note is Incomplete Note document on page#XXXX doesn't have signature. Need Executed Note document with Borrower Signature. - Due Diligence Vendor-03/08/2025 |
Resolved-The Note is Present - Due Diligence Vendor-03/12/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3563099 | N/A | N/A | ||||
| XXXX | XXXX | 304654949 | Closed | 2025-03-10 05:06 | 2025-03-14 15:08 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC provided for revised LE - Due Diligence Vendor-03/14/2025 Resolved-Resolved - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. see attached - Buyer-03/13/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX and comments XXXX and XXXX; XXXX; XXXX;XXXX). Lender Credit Decreased from initial LE $XXXX to revised LE $XXXX to Initial CD $XXXX without a valid COC in the file - Due Diligence Vendor-03/10/2025 |
Resolved-COC provided for revised LE - Due Diligence Vendor-03/14/2025 Resolved-Resolved - Due Diligence Vendor-03/14/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3565945 | N/A | N/A | ||||
| XXXX | XXXX | 304700302 | Closed | 2025-04-23 06:25 | 2025-04-25 22:11 | Waived | 2 - Non-Material | C | B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Exception Approved - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. Please see the attached exception - Buyer-04/25/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired provide Gap Credit with in 10days of closing date - Due Diligence Vendor-04/23/2025 |
Waived-Exception Approved - Due Diligence Vendor-04/25/2025 |
XXXX XXXX |
LTV XXXX DTI XXXX, max is XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 3933850 | Originator Post-Close | Yes | |||
| XXXX | XXXX | 304700301 | Closed | 2025-04-17 06:00 | 2025-04-23 01:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided most recent 1008. Finding resolved. - Due Diligence Vendor-04/23/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. Please see the attached 1008 - Buyer-04/22/2025 Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-04/17/2025 |
Resolved-Lender provided most recent 1008. Finding resolved. - Due Diligence Vendor-04/23/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/23/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3886547 | N/A | N/A | ||||
| XXXX | XXXX | 304685921 | Closed | 2025-04-18 08:21 | 2025-05-02 19:05 | Resolved | 1 - Information | C | A | Compliance | Mavent | TX Fee Not Allowed- Tax Status Research Fee (Fee ID: 110) | Resolved- - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. PCCD shows correct fees and matches compliance report - Buyer-05/02/2025 Counter-Per review the amount financed on the Final CD does not match the amount financed on the compliance ease report. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Uploaded - Buyer-04/24/2025 Open-The calculated APR is XXXX% per system. The disclosed APR is XXXX% per CD. The APR over XXXX% triggers multiple XXXX Finance Code violations. Provide Lender compliance report for comparison of APR calculations. - Due Diligence Vendor-04/23/2025 Open-The XXXX Finance Code Regulated Loan Provisions (XXXX.) does not allow Tax Status Research Fee (XXXX) to be charged to the Borrower in XXXX. Texas state is not allowing Tax Status Research Fee to be charged to the Borrower in XXXX. - Due Diligence Vendor-04/18/2025 |
Resolved- - Due Diligence Vendor-05/02/2025 |
XXXX XXXX |
TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3898029 | N/A | N/A | ||||
| XXXX | XXXX | 304693388 | Closed | 2025-04-25 13:05 | 2025-05-09 06:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy Provided. Resolved - Due Diligence Vendor-05/09/2025 Ready for Review-EOI - Due Diligence Vendor-05/08/2025 Open-Missing Hazard Insurance Policy The provided hazard insurance dec page reflects on expiration date of 03/16/2025 which is prior to the Note Date of 3/21/2025. - Due Diligence Vendor-04/25/2025 |
Resolved-Hazard Insurance Policy Provided. Resolved - Due Diligence Vendor-05/09/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3961620 | N/A | N/A | ||||
| XXXX | XXXX | 304693389 | Closed | 2025-04-29 14:28 | 2025-04-30 12:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/30/2025 Ready for Review-Lock Confirmation - Due Diligence Vendor-04/29/2025 Open- - Due Diligence Vendor-04/29/2025 |
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/30/2025 |
XXXX | VA | Primary Residence | Refinance | Cash Out - Other | 3991943 | N/A | N/A | ||||
| XXXX | XXXX | 304693389 | Closed | 2025-04-25 05:27 | 2025-04-30 12:24 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested UDM provided for Gap Credit report hence resolved. - Due Diligence Vendor-04/30/2025 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/30/2025 Ready for Review-LQI Report - Due Diligence Vendor-04/29/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Required gap credit report within 10 business days. - Due Diligence Vendor-04/25/2025 |
Resolved-Requested UDM provided for Gap Credit report hence resolved. - Due Diligence Vendor-04/30/2025 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/30/2025 |
XXXX | VA | Primary Residence | Refinance | Cash Out - Other | 3959015 | N/A | N/A | ||||
| XXXX | XXXX | 304693389 | Closed | 2025-04-25 07:03 | 2025-04-25 07:03 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-04/25/2025 |
Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-04/25/2025 |
VA | Primary Residence | Refinance | Cash Out - Other | 3959459 | N/A | N/A | |||||
| XXXX | XXXX | 304685936 | Closed | 2025-04-24 11:26 | 2025-05-05 22:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved- - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. Guidelines reflect we can go up to a XXXX% CLTV, please clear this finding. Thank you. - Seller-05/03/2025 Open-Audited CLTV Exceeds Guideline CLTV Updated as per Provided Guidelines CLTV is XXXX%, Audited CLTV of XXXX%. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. Guidelines reflect we can go up to a 90% CLTV, please clear this finding. Thank you. - Seller-05/03/2025 |
XXXX XXXX |
Resolved. New Matrix uploaded. | FL | Primary Residence | Refinance | Cash Out - Other | 3948292 | N/A | N/A | |||
| XXXX | XXXX | 304685936 | Closed | 2025-04-24 09:57 | 2025-05-05 22:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Resolved. New Matrix uploaded. - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. We can go to XXXX% - Buyer-05/02/2025 Open-Audited CLTV of XXXX% exceeds Guideline CLTV of XXXX% Updated as per Provided Guidelines CLTV is XXXX%, Audited CLTV of XXXX%. - Due Diligence Vendor-04/24/2025 |
Resolved-Resolved. New Matrix uploaded. - Due Diligence Vendor-05/05/2025 |
XXXX XXXX |
FL | Primary Residence | Refinance | Cash Out - Other | 3947664 | N/A | N/A | ||||
| XXXX | XXXX | 304685936 | Closed | 2025-04-24 11:26 | 2025-05-05 10:07 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal | Resolved-Both appraisal property report as well as the title commitment have been provided. A secondary appraisal evaluation is not required for equity advantage. - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. Both appraisal property report as well as the title commitment have been provided. I am not sure what else you need. A secondary appraisal evaluation is not required for equity advantage. Please advise or clear the finding, thank you - Seller-05/03/2025 Open-Loan Amounts ≤ $XXXX - Owner and Encumbrance Property Report. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. Both appraisal property report as well as the title commitment have been provided. I am not sure what else you need. A secondary appraisal evaluation is not required for equity advantage. Please advise or clear the finding, thank you - Seller-05/03/2025 |
Resolved-Both appraisal property report as well as the title commitment have been provided. A secondary appraisal evaluation is not required for equity advantage. - Due Diligence Vendor-05/05/2025 |
XXXX XXXX |
FL | Primary Residence | Refinance | Cash Out - Other | 3948293 | N/A | N/A | |||
| XXXX | XXXX | 304685936 | Closed | 2025-04-24 10:42 | 2025-04-24 11:14 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) XXXX-This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX-XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX,XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-04/24/2025 |
Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) XXXX-This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX-XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX,XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-04/24/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 3948012 | N/A | N/A | |||||
| XXXX | XXXX | 304685912 | Closed | 2025-04-25 07:28 | 2025-05-05 18:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/02/2025 Open-The Final 1003 is Missing Missing final 1003 - Due Diligence Vendor-04/25/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/05/2025 |
XXXX | NJ | Primary Residence | Refinance | Cash Out - Other | 3959644 | N/A | N/A | ||||
| XXXX | XXXX | 304685946 | Closed | 2025-04-30 00:00 | 2025-05-23 20:44 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. The lender credit is currently split between Section A, Line 2, and Section J. Please correct this discrepancy. - Buyer-05/22/2025 Counter-It appears the lender credit dropped from $XXXX to $XXXX, please provide change of circumstance supporting this change. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Please see the attached compliance report and Mavent findings, which indicate that this issue is not valid and there is no failure on this loan. Kindly review and compare these documents with your ComplianceEase and compliance reports to verify and reconcile the discrepancy. - Buyer-05/16/2025 Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/30/2025 |
Resolved-Resolved - Due Diligence Vendor-05/23/2025 |
XXXX XXXX |
KS | Primary Residence | Refinance | Cash Out - Other | 3999278 | N/A | N/A | ||||
| XXXX | XXXX | 304685931 | Closed | 2025-04-28 06:47 | 2025-05-06 12:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Lock date XXXX, used XXXX Matrix- Max CLTV for primary Fico 790- XXXX% - Due Diligence Vendor-05/06/2025 Resolved-Audited CLTV of XXXX% is less than or equal to Guideline CLTV of XXXX% - Due Diligence Vendor-05/06/2025 Ready for Review-Equity Advantage can go to XXXX% CLTV/ Loan is- Primary, loan amount XXXX, fico 790. Please clear this finding as presented, thank you - Buyer-05/03/2025 Open-Audited CLTV of XXXX% exceeds Guideline CLTV of XXXX% CLTV Exceeds GL's per matrix Max CLTV is XXXX%, Calculated CLTV is XXXX% Which does not meet GL's - Due Diligence Vendor-04/28/2025 |
Resolved-Lock date XXXX, used XXXX Matrix- Max CLTV for primary Fico 790- XXXX% - Due Diligence Vendor-05/06/2025 Resolved-Audited CLTV of XXXX% is less than or equal to Guideline CLTV of XXXX% - Due Diligence Vendor-05/06/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3975618 | N/A | N/A | |||||
| XXXX | XXXX | 304685931 | Closed | 2025-04-28 07:21 | 2025-04-30 16:21 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXX (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only and the Final Closing disclosure on Pg XXXX reflects escrows. Rate lock date was entered correctly – see Pg XXXX An interior and exterior appraisal was completed for this property – see pg XXXX to XXXX the appraisal disclosure was provided to the borrower(s)- see Pg XXXX, and copy of the appraisal was given to the borrower – see Pg XXXX for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-04/28/2025 |
Resolved-This is aXXXX (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only and the Final Closing disclosure on Pg XXXX reflects escrows. Rate lock date was entered correctly – see Pg XXXX An interior and exterior appraisal was completed for this property – see pg XXXX to XXXX the appraisal disclosure was provided to the borrower(s)- see Pg XXXX, and copy of the appraisal was given to the borrower – see Pg XXXX for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-04/28/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3975732 | N/A | N/A | |||||
| XXXX | XXXX | 304685931 | Closed | 2025-04-28 07:21 | 2025-04-30 16:21 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds theXXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only and the Final Closing disclosure on Pg XXXX reflects escrows. Rate lock date was entered correctly – see Pg XXXX An interior and exterior appraisal was completed for this property – see pg XXXX to XXXX the appraisal disclosure was provided to the borrower(s)- see Pg XXXX, and copy of the appraisal was given to the borrower – see Pg XXXX for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-04/28/2025 |
Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only and the Final Closing disclosure on Pg XXXX reflects escrows. Rate lock date was entered correctly – see Pg XXXX An interior and exterior appraisal was completed for this property – see pg XXXX to XXXX the appraisal disclosure was provided to the borrower(s)- see Pg XXXX, and copy of the appraisal was given to the borrower – see Pg XXXX for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-04/28/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3975730 | N/A | N/A | |||||
| XXXX | XXXX | 304700338 | Closed | 2025-04-28 21:45 | 2025-04-30 13:34 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 provided and updated in LM - Due Diligence Vendor-04/30/2025 Ready for Review-Updated 1008 - qualifying score is 749 - Due Diligence Vendor-04/29/2025 Open-Qualifying FICO on the 1008 Page is '718' or blank, but the Qualifying FICO from the Credit Liabilities Page is '749' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide updated 1008. - Due Diligence Vendor-04/28/2025 |
Resolved-Updated 1008 provided and updated in LM - Due Diligence Vendor-04/30/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3985780 | N/A | N/A | ||||
| XXXX | XXXX | 304700338 | Closed | 2025-04-28 11:11 | 2025-04-30 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Mortgage statement Provided for 1st lien hene resolved. - Due Diligence Vendor-04/30/2025 Ready for Review-See mortgage statement and credit report to satisfy waive note condition - Due Diligence Vendor-04/29/2025 Open-Provide 1st lien Note Doc. - Due Diligence Vendor-04/28/2025 |
Resolved-Requested Mortgage statement Provided for 1st lien hene resolved. - Due Diligence Vendor-04/30/2025 |
XXXX XXXX |
FL | Primary Residence | Refinance | Cash Out - Other | 3976645 | N/A | N/A | ||||
| XXXX | XXXX | 304685282 | Closed | 2025-05-06 21:22 | 2025-05-14 13:07 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Waiver and comp factors accepted - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. exception made - Seller-05/09/2025 Open-The subject property is a PUD. Provide XXXX master insurance policy as required per XXXX. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. exception made - Seller-05/09/2025 |
Waived-Waiver and comp factors accepted - Due Diligence Vendor-05/14/2025 |
XXXX | XXXX FICO; XXXXMinimum XXXX% LTV; XXXX% max XXXX% CLTV; XXXX% max XXXXmonths reserves; 0 required 0x30x99 Mortgage history; 0x30x12 required |
TX | Primary Residence | Refinance | Cash Out - Other | 4063135 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 304685282 | Closed | 2025-04-30 13:41 | 2025-05-13 21:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Texas Title Endorsements (T-2, T-19, T-17, T-42, T-42.1) Missing | Resolved-Lender provided T-2 endorsement. Condition resolved. - Due Diligence Vendor-05/13/2025 Ready for Review-Document Uploaded. - Buyer-05/12/2025 Open-One or more of the docsXXXX is Missing One or more of the docs XXXX is Missing - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. Proof of endrosements are on the SS attached here - Buyer-05/07/2025 Open-One or more of the docs XXXXis Missing - Due Diligence Vendor-04/30/2025 |
Resolved-Lender provided XXXX Condition resolved. - Due Diligence Vendor-05/13/2025 |
XXXX | TX | Primary Residence | Refinance | Cash Out - Other | 4002666 | N/A | N/A | ||||
| XXXX | XXXX | 304685282 | Closed | 2025-05-06 21:01 | 2025-05-08 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved- - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. - Buyer-05/07/2025 Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report with 10 Business Days of closing (XXXX) or 30 days post close. Latest credit report in file dated XXXX. - Due Diligence Vendor-05/06/2025 |
XXXX | Gap report provided. Condition resolved. | TX | Primary Residence | Refinance | Cash Out - Other | 4062767 | N/A | N/A | ||||
| XXXX | XXXX | 304685282 | Closed | 2025-04-30 13:41 | 2025-05-08 14:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Premium Pricing Disclosure T64 Form is Missing | Resolved-Lender provided T64 disclosure. Condition resolved. - Due Diligence Vendor-05/08/2025 Resolved-Validation resolved. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 Open-Premium Pricing Disclosure T64 Form is Missing - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. - Seller-05/07/2025 |
Resolved-Lender provided XXXX disclosure. Condition resolved. - Due Diligence Vendor-05/08/2025 Resolved-Validation resolved. - Due Diligence Vendor-05/08/2025 |
XXXX | TX | Primary Residence | Refinance | Cash Out - Other | 4002668 | N/A | N/A | |||
| XXXX | XXXX | 304687407 | Closed | 2025-04-30 08:57 | 2025-05-01 19:11 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX. The loan's APR of (XXXX) equals or exceeds the XXXX XXXXthreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX)) This loan failed the higher-priced mortgage loan test. ( XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 644 and the Final Closing disclosure on Pg#’s 346 reflects escrows. Rate lock date was entered correctly – see Pg#’s 788 An interior and exterior appraisal was completed for this property – see pg 87-128 , the appraisal disclosure was provided to the borrower(s)- see Pg#’86 , and copy of the appraisal was given to the borrower – see Pg#’s 787 for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-04/30/2025 |
Resolved-This is aXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 644 and the Final Closing disclosure on Pg#’s 346 reflects escrows. Rate lock date was entered correctly – see Pg#’s 788 An interior and exterior appraisal was completed for this property – see pg 87-128 , the appraisal disclosure was provided to the borrower(s)- see Pg#’86 , and copy of the appraisal was given to the borrower – see Pg#’s 787 for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-04/30/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4000628 | N/A | N/A | |||||
| XXXX | XXXX | 304687407 | Closed | 2025-04-30 08:57 | 2025-05-01 19:10 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This 2nd lien loan failed the higher-priced mortgage loan test. ( XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg# 788. An interior and exterior appraisal was completed for this property – see pg 41, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#’s 429. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-04/30/2025 | Resolved-The loan's (XXXX%) APR equals or exceeds theXXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This 2nd lien loan failed the higher-priced mortgage loan test. ( XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg# 788. An interior and exterior appraisal was completed for this property – see pg 41, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#’s 429. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-04/30/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4000627 | N/A | N/A | |||||
| XXXX | XXXX | 304692012 | Closed | 2025-04-30 15:35 | 2025-05-16 22:29 | Resolved | 1 - Information | C | A | Compliance | Mavent | Rescission: Variance | Resolved-Updated the RTC provided in the Disclosure screen. Resolved. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. attached - Buyer-05/15/2025 Open-The disclosed "Right to Cancel Expire Date" (XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). Under Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (XXXX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the 3rd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "XXXX" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX) (if applicable). (XXXX) The disclosed "Right to Cancel Expire Date" (XXXX is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). Under Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (XXXX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX Consummation Date. A "consumer" may exercise the right to rescind until midnight of the 3rd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX) and (d) andXXXX - Due Diligence Vendor-04/30/2025 |
Resolved-Updated the RTC provided in the Disclosure screen. Resolved. - Due Diligence Vendor-05/16/2025 |
XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 4004660 | N/A | N/A | ||||
| XXXX | XXXX | 304687394 | Closed | 2025-05-06 22:23 | 2025-05-23 19:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Employment Gap Letter provided in Findings:XXXX_CURRENT LOX AND PROCESSOR CERT.PDF. Resolved. - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. LOX and processor cert - Seller-05/22/2025 Counter-Employment Gap letter is missing. - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. pccd attached. - Buyer-05/08/2025 Open-Employment Gap letter is missing. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. LOX and processor cert - Seller-05/22/2025 |
Resolved-Employment Gap Letter provided in Findings:XXXX_CURRENT LOX AND PROCESSOR CERT.PDF. Resolved. - Due Diligence Vendor-05/23/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4063608 | N/A | N/A | |||
| XXXX | XXXX | 304687394 | Closed | 2025-04-30 10:32 | 2025-05-09 23:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Texas Title Endorsements (T-2, T-19, T-17, T-42, T-42.1) Missing | Resolved-received the title documents - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. attached - Buyer-05/07/2025 Open-One or more of the docs XXXX is Missing T-17 is required property is in a PUD is Missing - Due Diligence Vendor-04/30/2025 |
Resolved-received the title documents - Due Diligence Vendor-05/09/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4001009 | N/A | N/A | ||||
| XXXX | XXXX | 304687394 | Closed | 2025-05-09 22:58 | 2025-05-09 23:02 | Resolved | 1 - Information | C | A | Compliance | Fees:Limited | Texas - Maximum Fees Allowed | Resolved-resolved - Due Diligence Vendor-05/09/2025 Open-The Texas Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XXXX) open - Due Diligence Vendor-05/09/2025 |
Resolved-resolved - Due Diligence Vendor-05/09/2025 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4102157 | N/A | N/A | |||||
| XXXX | XXXX | 304687394 | Closed | 2025-05-09 22:58 | 2025-05-09 23:02 | Resolved | 1 - Information | C | A | Compliance | Enterprise:FeeLimits | ER - Texas Constitution 2% Fee Limit | Resolved-resolved - Due Diligence Vendor-05/09/2025 Open-The Texas Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XXXX open - Due Diligence Vendor-05/09/2025 |
Resolved-resolved - Due Diligence Vendor-05/09/2025 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4102155 | N/A | N/A | |||||
| XXXX | XXXX | 304687394 | Closed | 2025-05-09 22:20 | 2025-05-09 22:31 | Resolved | 1 - Information | C | A | Compliance | Mavent | TX Fee Not Allowed- Notary Fee (Fee ID: 56) | Resolved- - Due Diligence Vendor-05/09/2025 Open-The Texas Finance Code Regulated Loan Provisions (XXXX.) does not allow Notary Fee (XXXX) to be charged to the Borrower in XXXX. - Due Diligence Vendor-05/09/2025 |
Resolved- - Due Diligence Vendor-05/09/2025 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4101880 | N/A | N/A | |||||
| XXXX | XXXX | 304687394 | Closed | 2025-04-30 10:37 | 2025-05-09 22:24 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. pccd attached. - Buyer-05/08/2025 Open-A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/30/2025 |
Resolved- - Due Diligence Vendor-05/09/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4001032 | N/A | N/A | ||||
| XXXX | XXXX | 304687394 | Closed | 2025-04-30 10:32 | 2025-05-08 18:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Premium Pricing Disclosure T64 Form is Missing | Resolved-T-64 Form Provided, Resolved - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. document attached. - Buyer-05/07/2025 Open-Premium Pricing Disclosure XXXX Form is Missing - Due Diligence Vendor-04/30/2025 |
Resolved-T-64 Form Provided, Resolved - Due Diligence Vendor-05/08/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4001010 | N/A | N/A | ||||
| XXXX | XXXX | 304687394 | Closed | 2025-04-30 08:22 | 2025-05-08 18:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/08/2025 Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. attached - Buyer-05/07/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/30/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/08/2025 Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-05/08/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4000501 | N/A | N/A | ||||
| XXXX | XXXX | 304687394 | Closed | 2025-05-06 19:08 | 2025-05-08 18:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 provided, Resolved - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. 1008 attached. - Seller-05/07/2025 Open-The 1008 document is missing from the loan file. The 1008, p 913, in the Proposed Monthly Payments Borrower’s Primary Residence section, the Subordinate Lien P&I incorrectly reflects $XXXXwhile the correct P&I is $XXXXper the Note. This causes a variance in the total payment and ratios. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. 1008 attached. - Seller-05/07/2025 |
Resolved-Updated 1008 provided, Resolved - Due Diligence Vendor-05/08/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4060942 | N/A | N/A | |||
| XXXX | XXXX | 304687394 | Closed | 2025-04-30 10:37 | 2025-07-16 13:51 | Rescinded | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Rescinded-data entry error- finding cleared- rescinded - Due Diligence Vendor-07/16/2025 Open- - Due Diligence Vendor-07/16/2025 Rescinded- - Due Diligence Vendor-05/29/2025 Rescinded- - Due Diligence Vendor-05/29/2025 Rescinded- - Due Diligence Vendor-05/29/2025 Rescinded-DE errors, resolved by QA. Do not want to report - Due Diligence Vendor-05/29/2025 Resolved-resolved - Due Diligence Vendor-05/29/2025 Resolved-resolved - Due Diligence Vendor-05/29/2025 Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXX).(XXXX) resolved - Due Diligence Vendor-05/29/2025 Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).( XXXX)) resolved - Due Diligence Vendor-05/29/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).( XXXX)) Requirements of XXXXL have been met. Resolved. - Due Diligence Vendor-04/30/2025 |
Rescinded-data entry error- finding cleared- rescinded - Due Diligence Vendor-07/16/2025 Rescinded-DE errors, resolved by QA. Do not want to report - Due Diligence Vendor-05/29/2025 Resolved-resolved - Due Diligence Vendor-05/29/2025 Resolved-resolved - Due Diligence Vendor-05/29/2025 Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) resolved - Due Diligence Vendor-05/29/2025 Resolved-The loan's (XXXX%) APR equals or exceeds the XXXXl XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) resolved - Due Diligence Vendor-05/29/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-resolved - Due Diligence Vendor-05/09/2025 Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) Requirements of XXXX have been met. Resolved. - Due Diligence Vendor-04/30/2025 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4001030 | N/A | N/A | |||||
| XXXX | XXXX | 304663370 | Closed | 2025-05-07 17:10 | 2025-05-08 17:36 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-05/08/2025 Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/07/2025 |
Resolved-Resolved - Due Diligence Vendor-05/08/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 4071468 | N/A | N/A | |||||
| XXXX | XXXX | 304663370 | Closed | 2025-04-30 13:22 | 2025-05-07 17:15 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC and revised CD provided confirming fee increase. Finding resolved. - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. COC was disclosed, please see attached final page of the CD is the COC, thank you - Buyer-05/06/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (Processing Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX and comments XXXX); XXXX). - Due Diligence Vendor-04/30/2025 |
Resolved-COC and revised CD provided confirming fee increase. Finding resolved. - Due Diligence Vendor-05/07/2025 |
XXXX | TX | Primary Residence | Refinance | Cash Out - Other | 4002408 | N/A | N/A | ||||
| XXXX | XXXX | 304688658 | Closed | 2025-05-06 18:06 | 2025-05-09 17:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/09/2025 Ready for Review-This is the borrower's second loan with us. This primary is currently the primary residence, being turned into an investment. Cash out from this property is to be used for the purchase of the new primary residence. - Seller-05/08/2025 Open-Housing History Does Not Meet Guideline Requirements Per final 1003 primary residence is the subject property address. Unable to verify housing history - Due Diligence Vendor-05/06/2025 |
Ready for Review-This is the borrower's second loan with us. This primary is currently the primary residence, being turned into an investment. Cash out from this property is to be used for the purchase of the new primary residence. - Seller-05/08/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/09/2025 |
FL | Investment | Refinance | Cash Out - Other | 4059789 | N/A | N/A | ||||
| XXXX | XXXX | 304688658 | Closed | 2025-04-30 11:05 | 2025-05-09 17:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. - Buyer-05/08/2025 Ready for Review-First XXXX was uploaded incorrectly, use 2nd URLA provided, thank you - Buyer-05/08/2025 Ready for Review-Document Uploaded. - Buyer-05/08/2025 Open-The Final 1003 is Incomplete Per final 1003 non- permanent resident however permanent resident card on page 640 - Due Diligence Vendor-05/06/2025 Open-The Final 1003 is Incomplete Borrower citizenship is Non Permanent Resident Alien. However permanent resident card on page #640. - Due Diligence Vendor-04/30/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/09/2025 |
XXXX | FL | Investment | Refinance | Cash Out - Other | 4001171 | N/A | N/A | ||||
| XXXX | XXXX | 304688658 | Closed | 2025-04-30 14:20 | 2025-05-09 17:36 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved- - Due Diligence Vendor-05/09/2025 Ready for Review-Equity advantage loan, second mortgage loan does not add tax, insurance or any HOA. - Seller-05/08/2025 Open-Subject property is PUD, unable to identify the HOA amount from AVM and PCI report. - Due Diligence Vendor-04/30/2025 |
Ready for Review-Equity advantage loan, second mortgage loan does not add tax, insurance or any HOA. - Seller-05/08/2025 |
FL | Investment | Refinance | Cash Out - Other | 4003255 | N/A | N/A | |||||
| XXXX | XXXX | 304688658 | Closed | 2025-04-30 11:52 | 2025-05-08 11:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. This program does not require a UW income sheet. The Written full VOE was used for final calculations and was previously uploaded. Three years on job. Per the 1008 the UW Used XXXX base monthly income to qualify. - Buyer-05/07/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Income Calculation worksheet for wage income is missing in file - Due Diligence Vendor-04/30/2025 |
Resolved-Validation Resolved' - Due Diligence Vendor-05/08/2025 |
XXXX | FL | Investment | Refinance | Cash Out - Other | 4001514 | N/A | N/A | ||||
| XXXX | XXXX | 304688658 | Closed | 2025-04-30 14:24 | 2025-05-06 18:23 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income/Employment General | Waived-Exception on page #1678 approved to accept bwr supplied XXXX transcripts. Transcripts match to W2s provided for 2023 and 2024. TWN VOE also validates income. - Due Diligence Vendor-04/30/2025 | Waived-Exception on page #1678 approved to accept bwr supplied IRS W2 transcripts. Transcripts match to W2s provided for 2023 and 2024. TWN VOE also validates income. - Due Diligence Vendor-04/30/2025 |
Credit Score is XXXX. Minimum required per guidelines is XXXX. Low LTV XXXX % Residual incomes- $XXXXminimum per guidelines is none |
FL | Investment | Refinance | Cash Out - Other | 4003307 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 304667610 | Closed | 2025-04-30 16:36 | 2025-05-07 12:06 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC provided with eligibility changes- finding resolved - Due Diligence Vendor-05/07/2025 Resolved-Resolved - Due Diligence Vendor-05/07/2025 Ready for Review-See CD's and COC's on each "last page" issued for change in program to condo and needed full appraisal and HOA/condo fee - Buyer-05/06/2025 Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Appraisal fee of $XXXX and HOA certification fee $XXXXwas added without a valid COC - Due Diligence Vendor-04/30/2025 |
Resolved-COC provided with eligibility changes- finding resolved - Due Diligence Vendor-05/07/2025 Resolved-Resolved - Due Diligence Vendor-05/07/2025 |
XXXX | AK | Primary Residence | Refinance | Cash Out - Other | 4005920 | N/A | N/A | ||||
| XXXX | XXXX | 304667610 | Closed | 2025-04-30 12:00 | 2025-05-07 08:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. Resolved - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. - Buyer-05/06/2025 Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing in the file - Due Diligence Vendor-04/30/2025 |
Resolved-Borrower 1 Gap Credit Report Provided. Resolved - Due Diligence Vendor-05/07/2025 |
XXXX | AK | Primary Residence | Refinance | Cash Out - Other | 4001589 | N/A | N/A | ||||
| XXXX | XXXX | 304667610 | Closed | 2025-04-30 16:54 | 2025-05-05 19:50 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income/Employment General | Waived-Exception pg no: 638 approved to accept bwr supplied IRS W2 transcripts. Bwr has had 2 jobs for <2 yr each and both 2023 and 2024 W2s match to transcripts provided.. - Due Diligence Vendor-04/30/2025 | Waived-Exception pg no: 638 approved to accept bwr supplied IRS W2 transcripts. Bwr has had 2 jobs for <2 yr each and both 2023 and 2024 W2s match to transcripts provided.. - Due Diligence Vendor-04/30/2025 |
DTI XXXX max per guidelines is XXXX% Fico XXXXminimum per guidelines isXXX REsidual income $XXXX required per guidelines is none |
AK | Primary Residence | Refinance | Cash Out - Other | 4006195 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 304692637 | Closed | 2025-05-01 11:37 | 2025-05-14 02:44 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided PC CD with cure for fee increase. Finding resolved. - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. Please see LOE XXXXand label with check - Buyer-05/13/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX) and comments XXXX); XXXX)). From Initial LE (XXXX)to Initial CD (XXXX) Lender Credits decreased XXXX, there is no COC in file provide COC to cure this tolerance. - Due Diligence Vendor-05/01/2025 |
Resolved-Lender provided PC CD with cure for fee increase. Finding resolved. - Due Diligence Vendor-05/14/2025 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 4013073 | N/A | N/A | ||||
| XXXX | XXXX | 304692637 | Closed | 2025-05-01 11:37 | 2025-05-14 02:43 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Lender provided PC CD with cure for fee increase. Finding resolved. - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. - Buyer-05/13/2025 Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXXX) has increased by more than 10% over the current baseline value of ($XXX. The total amount of fees in the 10% category cannot exceed ($XXXX. The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XXXX); XXXX). From Initial LE (XXXX) to Initial CD (XXXX) recording fee increased $XXX, there is no COC in file provide COC to cure this tolerance. - Due Diligence Vendor-05/01/2025 |
Resolved-Lender provided PC CD with cure for fee increase. Finding resolved. - Due Diligence Vendor-05/14/2025 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 4013071 | N/A | N/A | ||||
| XXXX | XXXX | 304692637 | Closed | 2025-05-01 10:41 | 2025-05-10 14:48 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Lender provided current valid EOI for subject property. Renewal also in file. Finding resolved. - Due Diligence Vendor-05/10/2025 Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/10/2025 Ready for Review-Document Uploaded. See both insurance policy - Buyer-05/09/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-05/01/2025 |
Resolved-Lender provided current valid EOI for subject property. Renewal also in file. Finding resolved. - Due Diligence Vendor-05/10/2025 Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXXOr Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/10/2025 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 4012824 | N/A | N/A | ||||
| XXXX | XXXX | 304671051 | Closed | 2025-05-01 07:43 | 2025-05-07 11:59 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-HOA Questionnaire is Present - Due Diligence Vendor-05/07/2025 Resolved-HOA Questionnaire Provided. Resolved - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. - Buyer-05/06/2025 Open-HOA Questionnaire is Missing or Partial. Condo Questionnaire is Missing. - Due Diligence Vendor-05/01/2025 |
Resolved-HOA Questionnaire is Present - Due Diligence Vendor-05/07/2025 Resolved-HOA Questionnaire Provided. Resolved - Due Diligence Vendor-05/07/2025 |
XXXX | HI | Primary Residence | Refinance | Cash Out - Other | 4011611 | N/A | N/A | ||||
| XXXX | XXXX | 304700337 | Closed | 2025-05-02 06:18 | 2025-05-12 18:32 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Requirements for HPML have been met. Condition resolved. - Due Diligence Vendor-05/12/2025 Open-. - Due Diligence Vendor-05/12/2025 Ready for Review-post CD and cure - Due Diligence Vendor-05/09/2025 Open-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXXhreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX); XXXX) Full Appraisal report is missing to proof of verify interior and exterior appraisal information. Hence finding not resolved. - Due Diligence Vendor-05/02/2025 |
Resolved-Requirements forXXXX have been met. Condition resolved. - Due Diligence Vendor-05/12/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4023489 | N/A | N/A | ||||
| XXXX | XXXX | 304700337 | Closed | 2025-05-02 06:18 | 2025-05-12 18:31 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Requirements for HPML have been met. Condition resolved. - Due Diligence Vendor-05/12/2025 Open-. - Due Diligence Vendor-05/12/2025 Ready for Review-cure for XXXX - Due Diligence Vendor-05/09/2025 Open-The loan's (XXXX%) APR equals or exceeds theXXXX XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXfor this loan is (XXXX%).(XXXX)) Full Appraisal report is missing to proof of verify interior and exterior appraisal information. Hence finding not resolved. - Due Diligence Vendor-05/02/2025 |
Resolved-Requirements for XXXX have been met. Condition resolved. - Due Diligence Vendor-05/12/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4023487 | N/A | N/A | ||||
| XXXX | XXXX | 304700337 | Closed | 2025-05-02 06:18 | 2025-05-07 14:15 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided COC. Condition resolved. - Due Diligence Vendor-05/07/2025 Resolved- - Due Diligence Vendor-05/07/2025 Ready for Review-coc - Due Diligence Vendor-05/06/2025 Open-A Lender Credit for Excess Charges of ($XXXX, Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/02/2025 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($550.00) were applied to the total fee variance of ($825.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/06/2025 |
Resolved-Lender provided COC. Condition resolved. - Due Diligence Vendor-05/07/2025 Resolved- - Due Diligence Vendor-05/07/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4023488 | N/A | N/A | ||||
| XXXX | XXXX | 304700337 | Closed | 2025-05-02 05:26 | 2025-05-07 08:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Property Condition Inspection provided. Resolved - Due Diligence Vendor-05/07/2025 Ready for Review-avm - Due Diligence Vendor-05/06/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Property Condition Inspection. Required per Appraisal requirements. - Due Diligence Vendor-05/02/2025 |
Resolved-Property Condition Inspection provided. Resolved - Due Diligence Vendor-05/07/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4023336 | N/A | N/A | ||||
| XXXX | XXXX | 304685949 | Closed | 2025-05-02 10:21 | 2025-05-20 13:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Page XXXX reflects property acquired in May 2024 from trust and mortgage taken out in December 2024. - Due Diligence Vendor-05/20/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. For this finding, borrowers took out a mortgage XXXX with the first payment being dueXXXX per the mortgage note. If the borrower does have a mortgage, we must verify 12-months history. However, in this case the 1st payment on the 1st mortgage was due February, we would have also needed to verify March payment with the loan closing XXXX. We have the March mortgage statement showing next payment dueXXXX. Please clear this finding. - Buyer-05/19/2025 Open-Housing History Does Not Meet Guideline Requirements Primary mortgage history reflects 3 months as per guidelines 12 months history is required - Due Diligence Vendor-05/02/2025 |
Resolved-Page 1508 reflects property acquired in May 2024 from trust and mortgage taken out in December 2024. - Due Diligence Vendor-05/20/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4025027 | N/A | N/A | ||||
| XXXX | XXXX | 304685949 | Closed | 2025-05-07 14:41 | 2025-05-20 12:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Chain of title on page 1810 reflects borrower's trust acquired property in May 2024 > than 6 months - Due Diligence Vendor-05/20/2025 Resolved- - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. ***Per the chain of title, looks like borrower has owned the subject property since 5/6/2024 - > 6 months at closing so should be able to clear this finding. - Seller-05/19/2025 XXXX 6 months ownership is required for cash out seasoning. Per Deed on page Trust on page 469 property acquired 12/13/2024 and application date is 3/6/2025 - Due Diligence Vendor-05/07/2025 |
Ready for Review-Document Uploaded. ***Per the chain of title, looks like borrower has owned the subject property since 5/6/2024 - > 6 months at closing so should be able to clear this finding. - Seller-05/19/2025 |
Resolved-Chain of title on page 1810 reflects borrower's trust acquired property in May 2024 > than 6 months - Due Diligence Vendor-05/20/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4069038 | N/A | N/A | |||
| XXXX | XXXX | 304685949 | Closed | 2025-05-07 15:14 | 2025-05-07 15:14 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Condo project is ineligible | Waived-Exception on page XXXX approved- reviewed with VP of UW and approved for Non-warrantable condo due to lack of HOA master insurance and Liability/Fidelity Bond. Bwr carries own property insurance for building exterior with CFP and HO6 from farmers - Due Diligence Vendor-05/07/2025 | Waived-Exception on page XXXX approved- reviewed with VP of UW and approved for Non-warrantable condo due to lack of HOA master insurance and Liability/Fidelity Bond. Bwr carries own property insurance for building exterior with CFP and HO6 from farmers - Due Diligence Vendor-05/07/2025 |
Debt ratioXXXX max per guidelines is XXXX Residual income is XXXX residual income per guidelines is none Fico XXXX minimum per guidelines is XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 4069711 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 304685949 | Closed | 2025-05-02 10:58 | 2025-05-07 15:13 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Exception pg no: XXXX approved to allow for a transferred appraisal that is dated after the application date. Appraisal is dated XXXX with an application date of XXXX Appraiser ordered through XXXX and all other appraisal transfer guides have been met. Value is well supported with FNMA CU Risk Score of XXXX on a scale of XXXX. - Due Diligence Vendor-05/02/2025 |
Waived-Exception pg no: XXXX approved to allow for a transferred appraisal that is dated after the application date. Appraisal is dated XXXX with an application date of XXXX. Appraiser ordered through XXX and all other appraisal transfer guides have been met. Value is well supported with FNMA CU Risk Score of XXXX on a scale of XXXX. - Due Diligence Vendor-05/02/2025 |
Debt ratio XXXXmax per guidelines is XXXX Residual income is XXXX residual income per guidelines is none Fico XXXX minimum per guidelines is XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 4025227 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 304685949 | Closed | 2025-05-02 11:42 | 2025-05-07 15:18 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX) equals or exceeds the California HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX. Fin. Code XXXX(a);XXXX)(iii)) This loan failed the higher-priced mortgage loan test. ( XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. 2nd lien does not have escrow-escrow waiver is on Pg#’s __XXXX__ and the Final Closing disclosure on Pg#’s XXXX____ reflects escrows. Rate lock date was entered correctly – see Pg#’s ___XXXX__ An interior and exterior appraisal was completed for this property – see pg __XXXX__ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s_XXXX__ , and copy of the appraisal was given to the borrower – see Pg#’s __XXXX___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/02/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX) equals or exceeds the California HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX. Fin. Code XXXX(a);XXXX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. 2nd lien does not have escrow-escrow waiver is on Pg#’s __XXXX__ and the Final Closing disclosure on Pg#’s XXXX____ reflects escrows. Rate lock date was entered correctly – see Pg#’s ___XXXX__ An interior and exterior appraisal was completed for this property – see pg __XXXX__ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s_XXXX__ , and copy of the appraisal was given to the borrower – see Pg#’s __XXXX___ for the copy of the disclosure. The loan meets XXXX - Due Diligence Vendor-05/02/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4025477 | N/A | N/A | |||||
| XXXX | XXXX | 304685949 | Closed | 2025-05-02 11:42 | 2025-05-07 15:18 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. 2nd lien does not have escrow-escrow waiver is on Pg#’s __XXXX__ and the Final Closing disclosure on Pg#’s XXXX____ reflects escrows. Rate lock date was entered correctly – see Pg#’s ___XXXX__ An interior and exterior appraisal was completed for this property – see pg __XXXX__ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s_XXXX__ , and copy of the appraisal was given to the borrower – see Pg#’s __XXXX___ for the copy of the disclosure. The loan meetsXXXX - Due Diligence Vendor-05/02/2025 | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. 2nd lien does not have escrow-escrow waiver is on Pg#’s __XXXX__ and the Final Closing disclosure on Pg#’s XXXX____ reflects escrows. Rate lock date was entered correctly – see Pg#’s ___XXXX__ An interior and exterior appraisal was completed for this property – see pg __XXXX__ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s_XXXX__ , and copy of the appraisal was given to the borrower – see Pg#’s __XXXX___ for the copy of the disclosure. The loan meets HXXXX - Due Diligence Vendor-05/02/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4025476 | N/A | N/A | |||||
| XXXX | XXXX | 304688434 | Closed | 2025-05-07 22:48 | 2025-05-14 21:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-The IRS EIN Letter provided in Findings reflects True American Contractors LLC, Donna M Wrenn Sole MBR. Resolved. - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. Borrower is sole member - Buyer-05/13/2025 Open-Borrower 1 CPA Letter Missing CPA, Articles of Organization, or LLC docs are missing for True American Contractors. - Due Diligence Vendor-05/07/2025 |
Resolved-The IRS EIN Letter provided in Findings reflects True American Contractors LLC, Donna M Wrenn Sole MBR. Resolved. - Due Diligence Vendor-05/14/2025 |
XXXX | PA | Primary Residence | Refinance | Cash Out - Other | 4076588 | N/A | N/A | ||||
| XXXX | XXXX | 304685090 | Closed | 2025-05-03 07:56 | 2025-05-12 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report Provided that is within the 10 Business days from closing hence resolved. - Due Diligence Vendor-05/12/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. UDM present on fraud report. - Buyer-05/09/2025 Open-Borrower 1 Gap Credit Report is Missing Gap Report missing in file - Due Diligence Vendor-05/03/2025 |
Resolved-Requested Gap Credit Report Provided that is within the 10 Business days from closing hence resolved. - Due Diligence Vendor-05/12/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/12/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4035441 | N/A | N/A | ||||
| XXXX | XXXX | 304685090 | Closed | 2025-05-03 08:02 | 2025-05-12 12:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested Third Party Fraud Report Provided hence resolved. - Due Diligence Vendor-05/12/2025 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. fraud attached. - Buyer-05/09/2025 Open-Missing Third Party Fraud Report Provide Third Party Fraud Report. - Due Diligence Vendor-05/03/2025 |
Resolved-Requested Third Party Fraud Report Provided hence resolved. - Due Diligence Vendor-05/12/2025 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/12/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4035563 | N/A | N/A | ||||
| XXXX | XXXX | 304693702 | Closed | 2025-05-16 16:56 | 2025-05-21 16:29 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD with updated per diem and disbursement dates provided. PC Mavent is passing. Resolved - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. - Seller-05/20/2025 Ready for Review-Document Uploaded. - Buyer-05/20/2025 Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. XXXX(c) and Official Staff Commentary) This loan failed the XXXX right of rescission test. because the per the ROR datedXXXX the cancellation date is XXXX and the disbursement date per final CD XXXX. The funding date is before the third business day following consummation. Borrower did not get the full recession period. Please provide a corrected PCCD reflecting the correct Disbursement Date and Per Diem Date. - Due Diligence Vendor-05/16/2025 |
Ready for Review-Document Uploaded. - Seller-05/20/2025 |
Resolved-PCCD with updated per diem and disbursement dates provided. PC Mavent is passing. Resolved - Due Diligence Vendor-05/21/2025 |
XXXX | first upload was for another file please disregard-second PCCD is correct for this condition | CA | Primary Residence | Refinance | Cash Out - Other | 4165415 | N/A | N/A | ||
| XXXX | XXXX | 304693702 | Closed | 2025-05-06 12:54 | 2025-05-16 16:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided, resolved. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Buyer-05/15/2025 Counter-CD provided is not for this transaction. - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. - Seller-05/12/2025 Open-TRID: Missing Closing Disclosure Initial CD is missing in file, hence didn't run Mavent. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. - Seller-05/12/2025 |
Resolved-Initial CD provided, resolved. - Due Diligence Vendor-05/16/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4054332 | N/A | N/A | |||
| XXXX | XXXX | 304693702 | Closed | 2025-05-06 12:05 | 2025-05-16 16:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-B2 qualified with Wage earner income. N/A rescinded. - Due Diligence Vendor-05/16/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. Also utilizing paystubs for Amber. See attached. - Seller-05/15/2025 Counter-Income calculator provided for B2 does not reflect monthly income amount ofXXXX - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. Both income calc were provided - Seller-05/12/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Borrower 2 Lender income calculation worksheet is missing. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. Also utilizing paystubs for Amber. See attached. - Seller-05/15/2025 Ready for Review-Document Uploaded. Both income calc were provided - Seller-05/12/2025 |
Resolved-B2 qualified with Wage earner income. N/A rescinded. - Due Diligence Vendor-05/16/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/16/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4053845 | N/A | N/A | |||
| XXXX | XXXX | 304700336 | Closed | 2025-05-07 11:48 | 2025-05-14 14:23 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-05/14/2025 Ready for Review-coc - Due Diligence Vendor-05/13/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX)(3)(i) and comments 19(e)(3)(i)-5 and -6; XXXX(f)(2)(v);XXXX)(6);XXXX)). Missing CIC form due to lender credit decreased to $0 on rate lock LE issued onXXXX. - Due Diligence Vendor-05/07/2025 |
Resolved-Resolved - Due Diligence Vendor-05/14/2025 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 4066796 | N/A | N/A | ||||
| XXXX | XXXX | 304698225 | Closed | 2025-05-07 07:10 | 2025-05-14 07:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement in file. Resolved - Due Diligence Vendor-05/14/2025 Ready for Review-please use the credit report and mortgage statement in the file. - Due Diligence Vendor-05/13/2025 Open-Previous Note or subordinate lien documents missing from file. - Due Diligence Vendor-05/07/2025 |
Resolved-Mortgage statement in file. Resolved - Due Diligence Vendor-05/14/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 4065666 | N/A | N/A | |||||
| XXXX | XXXX | 304698225 | Closed | 2025-05-07 06:53 | 2025-05-12 19:08 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX).(XXXX)(1)(iii)) Requirements of XXXX have been met. Resolved. - Due Diligence Vendor-05/07/2025 | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX)(1)(iii)) Requirements of HPML have been met. Resolved. - Due Diligence Vendor-05/07/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 4065622 | N/A | N/A | |||||
| XXXX | XXXX | 304685913 | Closed | 2025-05-07 10:55 | 2025-05-14 10:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided. - Due Diligence Vendor-05/14/2025 Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. - Buyer-05/13/2025 Open-Borrower 2 Executed 4506-T Missing in file - Due Diligence Vendor-05/07/2025 |
Resolved-Borrower 2 Executed 4506-T Provided. - Due Diligence Vendor-05/14/2025 Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/14/2025 |
XXXX | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4066305 | N/A | N/A | ||||
| XXXX | XXXX | 304685279 | Closed | 2025-05-07 12:45 | 2025-05-16 10:25 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap Report (UDM) provided. Resolved - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/15/2025 Open-Borrower 1 Gap Credit Report is Expired (XXXX). - Due Diligence Vendor-05/07/2025 |
Resolved-Gap Report (UDM) provided. Resolved - Due Diligence Vendor-05/16/2025 |
XXXX | PA | Primary Residence | Refinance | Cash Out - Other | 4067380 | N/A | N/A | ||||
| XXXX | XXXX | 304692634 | Closed | 2025-05-09 08:21 | 2025-05-19 13:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Resolved. Borrower used another Title company. Permissible. - Due Diligence Vendor-05/19/2025 Ready for Review-Service Provider's List has title services listed, which the lender used another title company to provide the title service. XXXX - Buyer-05/15/2025 Open-Comments: Title fees (CPL, Endorsement, Indiana Title Insurance Enforcement Fund, - Lender's Title Insurance, Settlement/Closing Fee) is paid to a provider that’s not on providers list but the fee is still in section B, move the Fee (CPL, Endorsement, Indiana Title Insurance Enforcement Fund, - Lender's Title Insurance, Settlement/Closing Fee) to section C. - Due Diligence Vendor-05/09/2025 |
Resolved-Resolved. Borrower used another Title company. Permissible. - Due Diligence Vendor-05/19/2025 |
XXXX | IN | Primary Residence | Refinance | Cash Out - Other | 4090817 | N/A | N/A | ||||
| XXXX | XXXX | 304692634 | Closed | 2025-05-09 06:04 | 2025-05-16 10:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/16/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to close missing from file. - Due Diligence Vendor-05/09/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-05/16/2025 |
XXXX | IN | Primary Residence | Refinance | Cash Out - Other | 4090192 | N/A | N/A | ||||
| XXXX | XXXX | 304700986 | Closed | 2025-05-09 17:29 | 2025-05-21 11:58 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Corrected PCCD provided - Due Diligence Vendor-05/21/2025 Ready for Review-PCCD - Due Diligence Vendor-05/16/2025 Open-Comments: Title fees (Abstract Or Title Search, Settlement Or Closing Fee ) is paid to a provider that’s not on providers list but the fee is still in section B, move the Fee (Abstract Or Title Search, Settlement Or Closing Fee ) to section C. - Due Diligence Vendor-05/09/2025 |
Resolved-Corrected PCCD provided - Due Diligence Vendor-05/21/2025 |
XXXX | MD | Primary Residence | Refinance | Cash Out - Other | 4097393 | N/A | N/A | ||||
| XXXX | XXXX | 304700986 | Closed | 2025-05-09 15:34 | 2025-05-15 13:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Property Report uploaded in lieu of title as Loan amount is lesser than $250k acceptable asper GL, verified & entered in system - Resolved. - Due Diligence Vendor-05/15/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-05/15/2025 Ready for Review-PROP RPT - Due Diligence Vendor-05/14/2025 Open-Title Document is missing in file - Due Diligence Vendor-05/09/2025 |
Resolved-Property Report uploaded in lieu of title as Loan amount is lesser than XXXX acceptable asper GL, verified & entered in system - Resolved. - Due Diligence Vendor-05/15/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-05/15/2025 |
XXXX | MD | Primary Residence | Refinance | Cash Out - Other | 4095583 | N/A | N/A | ||||
| XXXX | XXXX | 304700986 | Closed | 2025-05-09 17:13 | 2025-05-09 17:19 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan isXXXX).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pgXXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/09/2025 | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’sXXXX An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/09/2025 |
MD | Primary Residence | Refinance | Cash Out - Other | 4097148 | N/A | N/A | |||||
| XXXX | XXXX | 304700986 | Closed | 2025-05-09 17:13 | 2025-05-09 17:19 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of XXXX) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is XXXX). (COMAR 09.03.06.02(B)(13);XXXX)(iii)) This loan failed the higher-priced mortgage loan test. XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/09/2025 | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (10.313%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (10.23%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 210 An interior and exterior appraisal was completed for this property – see pg 233-235, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 36, and copy of the appraisal was given to the borrower – see Pg#’s 224 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/09/2025 |
MD | Primary Residence | Refinance | Cash Out - Other | 4097150 | N/A | N/A | |||||
| XXXX | XXXX | 304700985 | Closed | 2025-05-09 08:10 | 2025-05-14 09:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/14/2025 Ready for Review-PROP RPT - Due Diligence Vendor-05/13/2025 Open-Title Document is missing - Due Diligence Vendor-05/09/2025 |
Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/14/2025 |
XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 4090787 | N/A | N/A | ||||
| XXXX | XXXX | 304700985 | Closed | 2025-05-09 08:23 | 2025-05-14 08:48 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-2 Bi-Weekly Paystubs in file. Resolved - Due Diligence Vendor-05/14/2025 Ready for Review- Borr gets pd bi-weekly and we have 2 pay stubs in the loan, which would cover 4 weeks - Due Diligence Vendor-05/13/2025 Open-Borrower 1 Paystubs Less Than 1 Month Provided - Due Diligence Vendor-05/09/2025 |
Resolved-2 Bi-Weekly Paystubs in file. Resolved - Due Diligence Vendor-05/14/2025 |
WA | Primary Residence | Refinance | Cash Out - Other | 4090822 | N/A | N/A | |||||
| XXXX | XXXX | 304701000 | Closed | 2025-05-09 12:53 | 2025-05-15 15:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided e-receipt log for initial CD issued XXXX. Finding resolved. - Due Diligence Vendor-05/15/2025 Ready for ReviewXXXX - Due Diligence Vendor-05/14/2025 Open-TRID: Missing Closing Disclosure Provide signed package or proof of signed Initial CD to verify borrower received the CD 3 days prior to closing. - Due Diligence Vendor-05/09/2025 |
Resolved-Lender provided e-receipt log for initial CD issued XXXX. Finding resolved. - Due Diligence Vendor-05/15/2025 |
XXXX | CO | Primary Residence | Refinance | Cash Out - Other | 4092481 | N/A | N/A | ||||
| XXXX | XXXX | 304700999 | Closed | 2025-05-09 10:24 | 2025-05-15 12:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved- - Due Diligence Vendor-05/15/2025 Ready for Review-RATE SHEET - Due Diligence Vendor-05/13/2025 Open-Undiscounted Rate is Missing - Due Diligence Vendor-05/09/2025 |
XXXX | SD | Primary Residence | Refinance | Cash Out - Other | 4091290 | N/A | N/A | |||||
| XXXX | XXXX | 304700999 | Closed | 2025-05-09 10:35 | 2025-05-15 12:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/15/2025 Ready for Review-FINAL 1003 - Due Diligence Vendor-05/13/2025 Open-The Final 1003 is Incomplete the Borrower 1003 Frist 2 page missing in file (Peter Lemons) - Due Diligence Vendor-05/09/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/15/2025 |
XXXX | SD | Primary Residence | Refinance | Cash Out - Other | 4091360 | N/A | N/A | ||||
| XXXX | XXXX | 304700999 | Closed | 2025-05-09 10:19 | 2025-05-14 10:37 | Resolved | 1 - Information | C | A | Property | Appraisal | Missing Core Valuation Product | Resolved-No finding required, Full appraisal in file. Resolved - Due Diligence Vendor-05/14/2025 Ready for Review-FULL APPRAISAL WAS PROVIDED - Due Diligence Vendor-05/13/2025 Open-Missing Core Valuation Product Updated as per Guidelines Loan amounts <=XXXX require a 2055 - Due Diligence Vendor-05/09/2025 |
Resolved-No finding required, Full appraisal in file. Resolved - Due Diligence Vendor-05/14/2025 |
SD | Primary Residence | Refinance | Cash Out - Other | 4091265 | N/A | N/A | |||||
| XXXX | XXXX | 304700999 | Closed | 2025-05-09 09:58 | 2025-05-09 10:27 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX)(1)(iii)) HPML-This loan failed the higher-priced mortgage loan test. ( XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s missing and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pg 38, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-05/09/2025 |
Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX).(XXXX)(1)(iii)) HPML-This loan failed the higher-priced mortgage loan test. ( XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s missing and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/09/2025 |
SD | Primary Residence | Refinance | Cash Out - Other | 4091147 | N/A | N/A | |||||
| XXXX | XXXX | 304700998 | Closed | 2025-05-09 06:28 | 2025-05-15 12:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/15/2025 Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/14/2025 Ready for Review-PROP RPT - Due Diligence Vendor-05/13/2025 Open-Title Document is missing - Due Diligence Vendor-05/09/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-05/15/2025 Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/14/2025 |
XXXX | CO | Primary Residence | Refinance | Cash Out - Other | 4090256 | N/A | N/A | ||||
| XXXX | XXXX | 304701001 | Closed | 2025-05-09 08:54 | 2025-05-20 17:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Lender provided Mtg statements with sufficient information to determine terms. Condition resolved. - Due Diligence Vendor-05/20/2025 Ready for Review-MTG STMT - Due Diligence Vendor-05/19/2025 Ready for Review-MTG STMT - Due Diligence Vendor-05/16/2025 Ready for Review-this is not a requirement for UW review at AFC - Due Diligence Vendor-05/15/2025 Counter-Per guideline section underXXXX pg 15, guidelines restrict certain types of 1st lien loans. Unable to verify without Note terms. Condition remains. - Due Diligence Vendor-05/14/2025 Ready for Review-OUR PRINTED GUIDELINES DO NOT REQUIRE. PLEASE WAIVE. - Due Diligence Vendor-05/13/2025 Open-Provide 1st lien Note and mortgage statement. - Due Diligence Vendor-05/09/2025 |
Resolved-Lender provided Mtg statements with sufficient information to determine terms. Condition resolved. - Due Diligence Vendor-05/20/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4090943 | N/A | N/A | ||||
| XXXX | XXXX | 304701001 | Closed | 2025-05-09 08:11 | 2025-05-16 19:00 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-05/16/2025 Ready for Review-XXXX increase was to the Settlement/Closing Fee and that doesn't require a refund based on aggregate calculation of XXXX Fees: Title (Abstract & Settlement) along with Recording on the LE totalled XXXX so adding the XXXX tolerance max we could charge would be XXXX at closing. Closing CD has XXXX when aggregating those same charges. - Due Diligence Vendor-05/15/2025 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of XXXX) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credits added in final CD and COC is also added still reflecting fail. - Due Diligence Vendor-05/09/2025 |
Resolved- - Due Diligence Vendor-05/16/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4090791 | N/A | N/A | |||||
| XXXX | XXXX | 304701001 | Closed | 2025-05-09 06:11 | 2025-05-14 10:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/14/2025 Ready for Review-PROP RPT - Due Diligence Vendor-05/13/2025 Open-Title Document is missing Provide Title. - Due Diligence Vendor-05/09/2025 |
Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/14/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4090214 | N/A | N/A | ||||
| XXXX | XXXX | 304701001 | Closed | 2025-05-09 08:11 | 2025-05-19 15:20 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-05/19/2025 Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/09/2025 |
Resolved-. - Due Diligence Vendor-05/19/2025 Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pgXXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/09/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4090790 | N/A | N/A | |||||
| XXXX | XXXX | 304701001 | Closed | 2025-05-09 08:11 | 2025-05-19 15:20 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-. - Due Diligence Vendor-05/19/2025 Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).XXXX); XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-05/09/2025 |
Resolved-. - Due Diligence Vendor-05/19/2025 Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX); XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/09/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4090792 | N/A | N/A | |||||
| XXXX | XXXX | 304700994 | Closed | 2025-05-13 18:28 | 2025-05-19 22:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage Statement Provided, Resolved - Due Diligence Vendor-05/19/2025 Ready for Review-MTG STMT - Due Diligence Vendor-05/16/2025 Ready for Review- this is not a requirement for UW review at XXXX - Due Diligence Vendor-05/15/2025 Counter-Per guideline section under Sr. lien terms pg XXXX, guidelines restrict certain types of 1st lien loans. Unable to verify without Note terms. Condition remains. - Due Diligence Vendor-05/14/2025 Ready for Review-OUR PRINTED GUIDELINES DO NOT REQUIRE. PLEASE WAIVE - Due Diligence Vendor-05/13/2025 Open-Provide 1st lien Note. Unable to validate CLTV. - Due Diligence Vendor-05/13/2025 |
Resolved-Mortgage Statement Provided, Resolved - Due Diligence Vendor-05/19/2025 |
XXXX | CO | Primary Residence | Refinance | Cash Out - Other | 4130286 | N/A | N/A | ||||
| XXXX | XXXX | 304700994 | Closed | 2025-05-10 07:10 | 2025-05-14 10:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/14/2025 Ready for Review-PROP RPT - Due Diligence Vendor-05/13/2025 Open-Title Document is missing - Due Diligence Vendor-05/10/2025 |
Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/14/2025 |
XXXX | CO | Primary Residence | Refinance | Cash Out - Other | 4103852 | N/A | N/A | ||||
| XXXX | XXXX | 304701002 | Closed | 2025-05-13 17:00 | 2025-05-19 22:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage Statement Provided, Resolved. - Due Diligence Vendor-05/19/2025 Ready for Review-MTG STMT - Due Diligence Vendor-05/16/2025 Ready for Review-PLEASE WAIVE . THIS IS NOT A REQUIREMENT FOR UW REVIEW AT XXXX - Due Diligence Vendor-05/15/2025 Counter-Per guideline section under Sr. lien terms pg XXXX, guidelines restrict certain types of 1st lien loans. Unable to verify without Note terms. Condition remains. - Due Diligence Vendor-05/15/2025 Ready for Review-PRINTED GUIDELINES DO NOT REQUIRE. PLS WAIVE - Due Diligence Vendor-05/14/2025 Open-Provide Sr. lien Note. Unable to validate XXXX and terms. - Due Diligence Vendor-05/13/2025 |
Resolved-Mortgage Statement Provided, Resolved. - Due Diligence Vendor-05/19/2025 |
XXXX | CO | Primary Residence | Refinance | Cash Out - Other | 4129029 | N/A | N/A | ||||
| XXXX | XXXX | 304701002 | Closed | 2025-05-12 01:20 | 2025-05-15 13:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/15/2025 Resolved-Title Document (Property Report) Provided. Resolved - Due Diligence Vendor-05/15/2025 Ready for Review-PROP RPT - Due Diligence Vendor-05/14/2025 Open-Title Document is missing Provide missing Title report. - Due Diligence Vendor-05/12/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-05/15/2025 Resolved-Title Document (Property Report) Provided. Resolved - Due Diligence Vendor-05/15/2025 |
XXXX | CO | Primary Residence | Refinance | Cash Out - Other | 4108541 | N/A | N/A | ||||
| XXXX | XXXX | 304701008 | Closed | 2025-05-10 05:59 | 2025-05-19 22:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage Statement Provided, Resolved. - Due Diligence Vendor-05/19/2025 Ready for Review-MTG STMT - Due Diligence Vendor-05/16/2025 Ready for Review-PRINTED GUIDELINES DO NOT REQUIRE, PLS WAIVE - Due Diligence Vendor-05/15/2025 Open-Provide 1st lien Note and mortgage statement. - Due Diligence Vendor-05/10/2025 |
Resolved-Mortgage Statement Provided, Resolved. - Due Diligence Vendor-05/19/2025 |
XXXX | CO | Primary Residence | Refinance | Cash Out - Other | 4103602 | N/A | N/A | ||||
| XXXX | XXXX | 304694278 | Closed | 2025-05-10 12:37 | 2025-05-14 14:16 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) Requirements of XXXX have been met. Resolved. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg.’s XXXX An interior and exterior appraisal was completed for this property – see pg. XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure, ECOA disclosure page no #XXXX. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-05/10/2025 |
Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX." The comparable APOR for this loan is (XXXX%).(XXXX)) Requirements of HPML have been met. Resolved. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg.’s XXXX An interior and exterior appraisal was completed for this property – see pg. XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure, ECOA disclosure page no #308. Requirements of XXXX have been met. Resolved. - Due Diligence Vendor-05/10/2025 |
MI | Primary Residence | Refinance | Cash Out - Other | 4104914 | N/A | N/A | |||||
| XXXX | XXXX | 304700984 | Closed | 2025-05-10 07:04 | 2025-05-14 19:38 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. Appraisal delivery acknowledgment to borrower on page #XXXX. The loan meets XXXX guidelines - Due Diligence Vendor-05/10/2025 | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. Appraisal delivery acknowledgment to borrower on page #XXXX. The loan meets HPML guidelines - Due Diligence Vendor-05/10/2025 |
OH | Primary Residence | Refinance | Cash Out - Other | 4103829 | N/A | N/A | |||||
| XXXX | XXXX | 304700995 | Closed | 2025-05-11 05:09 | 2025-05-23 11:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Disclosure tracking- provided - Due Diligence Vendor-05/23/2025 Ready for Review-cd audit log - Due Diligence Vendor-05/22/2025 Open-TRID: Missing Closing Disclosure Borrower signed Initial Closing Disclosure is missing from file. Disclosure tracking was not provided for initial CD - Due Diligence Vendor-05/11/2025 |
Resolved-Disclosure tracking- provided - Due Diligence Vendor-05/23/2025 |
XXXX | NJ | Primary Residence | Refinance | Cash Out - Other | 4107099 | N/A | N/A | ||||
| XXXX | XXXX | 304700997 | Closed | 2025-05-15 14:10 | 2025-05-23 11:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/23/2025 Ready for Review-LOCKED LE AND AUDIT LOG - Due Diligence Vendor-05/22/2025 Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/15/2025 |
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/23/2025 |
XXXX | CO | Primary Residence | Refinance | Cash Out - Other | 4149524 | N/A | N/A | ||||
| XXXX | XXXX | 304700997 | Closed | 2025-05-15 14:33 | 2025-05-23 11:52 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/23/2025 Ready for Review-AVM - Due Diligence Vendor-05/22/2025 Open-Second Appraisal/ Valuation is Missing AVM is required with 2055 per guidelines. AVM in file does not reflect a XXXX score - Due Diligence Vendor-05/15/2025 |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/23/2025 |
XXXX | CO | Primary Residence | Refinance | Cash Out - Other | 4149861 | N/A | N/A | ||||
| XXXX | XXXX | 304717670 | Closed | 2025-05-12 09:10 | 2025-05-23 13:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-SPL provided dated 3/5/2025. - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. Uploaded for review - Buyer-XXXX Open-Missing Service Provider List - Due Diligence Vendor-05/12/2025 |
Resolved-SPL provided dated 3/5/2025. - Due Diligence Vendor-05/23/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4109615 | N/A | N/A | ||||
| XXXX | XXXX | 304717670 | Closed | 2025-05-12 07:51 | 2025-05-23 13:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/23/2025 Resolved-Fraud report provided and updated in LM. - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. Uploaded for review - Buyer-XXXX Open-Missing Third Party Fraud Report Fraud report is missing from the file. - Due Diligence Vendor-05/15/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/23/2025 Resolved-Fraud report provided and updated in LM. - Due Diligence Vendor-05/23/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4109403 | N/A | N/A | ||||
| XXXX | XXXX | 304717670 | Closed | 2025-05-12 08:57 | 2025-05-15 19:18 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX); XXXX)) XXXX guidelines have been met and an interior appraisal was performed. - Due Diligence Vendor-05/12/2025 | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX)) HPML guidelines have been met and an interior appraisal was performed. - Due Diligence Vendor-05/12/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4109583 | N/A | N/A | |||||
| XXXX | XXXX | 304717670 | Closed | 2025-05-12 08:57 | 2025-05-15 19:18 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) XXXX guidelines have been met and an interior appraisal was performed. - Due Diligence Vendor-05/12/2025 | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) XXXX guidelines have been met and an interior appraisal was performed. - Due Diligence Vendor-05/12/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4109582 | N/A | N/A | |||||
| XXXX | XXXX | 304685935 | Closed | 2025-05-13 04:37 | 2025-05-29 17:46 | Resolved | 1 - Information | C | A | Compliance | Closing | The Note is Not Executed | Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. - Buyer-05/28/2025 Open-The Note is Not Executed Final Signed Note document missing in file. - Due Diligence Vendor-05/13/2025 |
Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-05/29/2025 |
XXXX | TX | Investment | Refinance | Cash Out - Other | 4122588 | N/A | N/A | ||||
| XXXX | XXXX | 304685935 | Closed | 2025-05-13 04:41 | 2025-05-29 17:43 | Resolved | 1 - Information | C | A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. - Buyer-05/28/2025 Open-The Deed of Trust is Not Executed Final Signed Deed of Trust missing in file. - Due Diligence Vendor-05/13/2025 |
Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-05/29/2025 |
XXXX | TX | Investment | Refinance | Cash Out - Other | 4122595 | N/A | N/A | ||||
| XXXX | XXXX | 304685935 | Closed | 2025-05-13 05:36 | 2025-05-29 17:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided fully executed Final CD. Finding resolved. - Due Diligence Vendor-05/29/2025 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. - Seller-05/28/2025 Open-TRID: Missing Final Closing Disclosure Provided Final CD is not signed. - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. - Seller-05/28/2025 |
Resolved-Lender provided fully executed Final CD. Finding resolved. - Due Diligence Vendor-05/29/2025 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/29/2025 |
XXXX | TX | Investment | Refinance | Cash Out - Other | 4122719 | N/A | N/A | |||
| XXXX | XXXX | 304685935 | Closed | 2025-05-13 04:31 | 2025-05-29 17:29 | Resolved | 1 - Information | C | A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-05/29/2025 Resolved-Lender provided fully executed Final 1003. Finding resolved. - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. - Buyer-XXXX Open-The Final 1003 is Not Executed Final 1003 provided for B1 & B2 is not signed. - Due Diligence Vendor-05/13/2025 |
Resolved-The Final 1003 is Executed - Due Diligence Vendor-05/29/2025 Resolved-Lender provided fully executed Final 1003. Finding resolved. - Due Diligence Vendor-05/29/2025 |
XXXX | TX | Investment | Refinance | Cash Out - Other | 4122576 | N/A | N/A | ||||
| XXXX | XXXX | 304685935 | Closed | 2025-05-16 17:06 | 2025-05-29 17:21 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Occupancy Certification is Missing | Resolved-Lender provided business purpose disclosure confirming occupancy. Finding resolved. - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. - Seller-05/28/2025 Open-Executed occupancy affidavit is missing from file. - Due Diligence Vendor-05/16/2025 |
Ready for Review-Document Uploaded. - Seller-05/28/2025 |
Resolved-Lender provided business purpose disclosure confirming occupancy. Finding resolved. - Due Diligence Vendor-05/29/2025 |
XXXX | TX | Investment | Refinance | Cash Out - Other | 4165539 | N/A | N/A | |||
| XXXX | XXXX | 304698224 | Closed | 2025-05-14 10:09 | 2025-05-14 21:18 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/14/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than XXXX days from Closing/Settlement Date). - Due Diligence Vendor-05/14/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/14/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4135665 | N/A | N/A | |||||
| XXXX | XXXX | 304694277 | Closed | 2025-05-13 19:13 | 2025-05-21 11:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. - Buyer-XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Required income calculation sheet. - Due Diligence Vendor-05/13/2025 |
Resolved-Validation Resolved' - Due Diligence Vendor-05/21/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4131064 | N/A | N/A | ||||
| XXXX | XXXX | 304694277 | Closed | 2025-05-13 06:31 | 2025-05-20 10:22 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with correct FICO provided. Resolved - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Buyer-XXXX Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. . - Due Diligence Vendor-05/13/2025 |
Resolved-Updated 1008 with correct FICO provided. Resolved - Due Diligence Vendor-05/20/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4122853 | N/A | N/A | ||||
| XXXX | XXXX | 304694277 | Closed | 2025-05-13 10:49 | 2025-05-13 10:49 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX,XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX.for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-05/13/2025 | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined inXXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX,XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX.for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-05/13/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4123949 | N/A | N/A | |||||
| XXXX | XXXX | 304694277 | Closed | 2025-05-13 10:49 | 2025-05-13 10:49 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).XXXX); XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX,XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX.for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-05/13/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).XXXX); XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX,XXXX , and copy of the appraisal was given to the borrower – see Pg#’s 1004.for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-05/13/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4123950 | N/A | N/A | |||||
| XXXX | XXXX | 304682139 | Closed | 2025-05-19 17:23 | 2025-05-23 21:17 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-Unable to Resolve- Please review the above assigned Redacted done file at your earliest convenience Acknowledges - Due Diligence Vendor-05/23/2025 Unable to Resolve-Unable to Resolve-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2. - Buyer-XXXX Ready for Review-Again, only ONE of this form is rquired and we gave this to you. It is attached. It also addresses reasons for the purpose of the loan. Please clear this condition. - Buyer-XXXX Counter-BP affidavit is required for investment refinance to confirm the purpose of the cash out proceeds. - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. This is NOT DSCR it is investor and only ONE copy is required per compliance to be signed on NON DSCR files. We have double checked this with compliance and guides. Please clear this. - Buyer-XXXX Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'XXXX', and on the Business Purpose V2 Page is 'XXXX'. Business Purpose Affidavit is required for a DSCR loan. Missing initial BP affidavit. - Due Diligence Vendor-05/19/2025 |
Acknowledged-Unable to Resolve-XXXX Acknowledges - Due Diligence Vendor-05/23/2025 |
XXXX | GA | Investment | Refinance | Cash Out - Other | 4180753 | Investor Post-Close | No | ||||
| XXXX | XXXX | 304700296 | Closed | 2025-05-20 15:49 | 2025-06-02 21:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-In Findings: C. DUPLICATE ACCOUNTS.PDF reflects XXXX #XXXX: DUPLICATE REPORTING OF: XXXX XXXX, ACCOUNT XXXX and XXXX #XXXX: DUPLICATE REPORTING OF: XXXX BANK, ACCOUNT XXXX thus those duplicates were excluded from the DTI. LM updated and DTI now reflects XXXX% which is within GLs. Resolved. - Due Diligence Vendor-06/02/2025 Ready for Review-Document Uploaded. They're duplicate accounts. If you look at the credit refresh you can see that #XXXX is a duplicate of XXXX and #XXXX is a duplicate of XXXX-Please see credit something to verify this. - Seller-05/30/2025 Counter-The CR dated XXXX on p XXXX reflects accounts with balances include XXXX Bank #XXXX (pmt $XXXX, bal $XXXX), XXXX Bank #XXXX (pmt $XXXX, bal $XXXX) for a total of $XXXX that were not paid off at closing (other XXXX XXXX account were paid off on the Final CD but not these). The Final 1003 (p XXXX) and the attached version include those liabilities, and they are not marked as being paid at closing nor were paid on the Final CD. The 1008 (p XXXX) and the attached 1008 did not include the $XXXX when calculating the DTI. If you add that $XXXX to the $,XXXX reflected as All Other Monthly Payments Used in Qualifying on the 1008, p XXXX, the correct Total All Monthly Payments is $XXXX / $XXXX = XXXX% DTI. - Due Diligence Vendor-05/22/2025 Ready for Review-The CR dated XXXXon p XXXX reflects accounts with balances include XXXX #XXXX (pmt $XXXX, bal $XXXX), XXXX #XXXX (pmt $XXXX, bal $XXXX) for a total of $XXXX that were not paid off at closing (other XXXX account were paid off on the Final CD but not these). The Final 1003 (p XXXX) and the attached version include those liabilities, and they are not marked as being paid at closing nor were paid on the Final CD. The 1008 (p XXXX) and the attached 1008 did not include the $XXXX when calculating the DTI. If you add that $XXXX to the $,XXXX reflected as All Other Monthly Payments Used in Qualifying on the 1008, p XXXX, the correct Total All Monthly Payments is $XXXX / $XXXX = XXXX% DTI. - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. All XXXX accounts marked paid off on the CD are correct and match 1003 and what we have for our application. Our DTI is .XXXX. We are fine here. - Buyer-05/21/2025 Open-Audited DTI Exceeds Guideline DTI - Due Diligence Vendor-05/20/2025 |
Ready for Review-Document Uploaded. They're duplicate accounts. If you look at the credit refresh you can see that #XXXX is a duplicate of XXXX and #XXXX is a duplicate of XXXX-Please see credit something to verify this. - Seller-05/30/2025 |
Resolved-In Findings: XXXX reflects XXXX Bank #XXXX: DUPLICATE REPORTING OF: XXXX BANK, ACCOUNT XXXX and XXX #XXXX: DUPLICATE REPORTING OF: XXXX BANK, ACCOUNT XXXX thus those duplicates were excluded from the DTI. LM updated and DTI now reflects XXXX% which is within GLs. Resolved. - Due Diligence Vendor-06/02/2025 |
XXXX XXXX XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 4192567 | N/A | N/A | |||
| XXXX | XXXX | 304700296 | Closed | 2025-05-20 15:22 | 2025-06-02 21:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-In Findings: C. DUPLICATE ACCOUNTS.PDF reflects XXXX #XXXX: DUPLICATE REPORTING OF: XXXX BANK, ACCOUNT XXXX and XXXX Bank #XXXX: DUPLICATE REPORTING OF: XXXX BANK, ACCOUNT XXXX thus those duplicates were excluded from the DTI. LM updated and DTI now reflects XXXX% which is within GLs. Resolved. - Due Diligence Vendor-06/02/2025 Ready for Review-Document Uploaded. They're duplicate accounts. If you look at the credit refresh you can see that #XXXX is a duplicate of XXXX and #XXXX is a duplicate of XXXX-Please see credit something to verify this. - Buyer-XXXX Counter-The CR dated XXXX on p XXXX reflects accounts with balances include XXXX #XXXX (pmt $XXXX, bal $XXXX), XXXX #XXXX (pmt $XXXX, bal $XXXX) for a total of $XXXX that were not paid off at closing (other XXXX account were paid off on the Final CD but not these). The Final 1003 (p XXXX) and the attached version include those liabilities, and they are not marked as being paid at closing nor were paid on the Final CD. The 1008 (p XXXX) and the attached 1008 did not include the $XXXX when calculating the DTI. If you add that $XXXX to the $XXXX reflected as All Other Monthly Payments Used in Qualifying on the 1008, p XXXX, the correct Total All Monthly Payments is $XXXX / $XXXX = XXXX% DTI. - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. All 12 accounts marked paid off on the CD are correct and match 1003 and what we have for our application. Our DTI is XXXX. We are fine here. - Seller-05/21/2025 Open-Audited DTI of XXXX% exceeds Guideline DTI of XXXX% The 1003 and CR reflect two (2) XXXX Bank accounts (#XXXX with a payment of $XXXX and #XXXX with a payment of $XXXX) that were not paid off at closing. There were other XXXX accounts that were paid off on the Final CD, p XXXX, but not these. Each payoff on the Final CD, p XXXX, was verified against the XXXX and CR and those two accounts were not paid at closing resulting in All Other Monthly Payments of $XXXX that are included in the DTI and cause it to exceed XXXX%. On the 1008, the HTI and DTI were the same so these payments were not included in the lenders DTI. - Due Diligence Vendor-05/20/2025 |
Ready for Review-Document Uploaded. All XXXX accounts marked paid off on the CD are correct and match 1003 and what we have for our application. Our DTI is XXXX. We are fine here. - Seller-05/21/2025 |
Resolved-In Findings: XXXX reflects XXXX Bank #XXXX: DUPLICATE REPORTING OF: XXXX BANK, ACCOUNT XXXX and XXXX Bank #XXXX: DUPLICATE REPORTING OF: XXXX BANK, ACCOUNT XXXX thus those duplicates were excluded from the DTI. LM updated and DTI now reflects XXXX% which is within GLs. Resolved. - Due Diligence Vendor-06/02/2025 |
XXXX XXXX XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 4192126 | N/A | N/A | |||
| XXXX | XXXX | 304700296 | Closed | 2025-05-20 15:36 | 2025-05-22 21:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-UW income calculation provided in Findings: XXXX Resolved. - Due Diligence Vendor-05/22/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. Please see explanation from UW - Seller-05/22/2025 Open-There is a discrepancy between what we are able to verify on the Social Security Income and what the lender utilized. B1: The 1003 for B1 Social Security Income reflects $XXXX however we could not arrive at that figure. The Benefits Verification Letter, p XXXX, reflects SS benefit of $XXXX grossed up by XXXX% = $XXXX/month. Advise as to how the lender arrived at the $XXXX SS income for B1. B2: The 1003 for B2 Social Security income of $XXXX which aligns with the Benefits Verification Letter, p XXXX, which reflects SS benefit of $XXXX/month. If grossed up by XXXX% = $XXXX The lender qualified the borrowers with total income of $XXXX (B1 base of $XXXX-verified, B1 SS income of $XXXX-not verified, and B2 SS income of $XXXX-verified but can be grossed up). - Due Diligence Vendor-05/20/2025 |
Ready for Review-Document Uploaded. Please see explanation from UW - Seller-05/22/2025 |
Resolved-UW income calculation provided in Findings: XXXX. Resolved. - Due Diligence Vendor-05/22/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/22/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4192354 | N/A | N/A | |||
| XXXX | XXXX | 304685280 | Closed | 2025-05-23 23:27 | 2025-05-29 14:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-FACTS sheet provided. Resolved - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. Uploaded for review - Seller-05/28/2025 Open-Missing affiliated business disclosure or FACTS sheet. - Due Diligence Vendor-05/23/2025 |
Ready for Review-Document Uploaded. Uploaded for review - Seller-05/28/2025 |
Resolved-FACTS sheet provided. Resolved - Due Diligence Vendor-05/29/2025 |
XXXX | VA | Primary Residence | Refinance | Cash Out - Other | 4236153 | N/A | N/A | |||
| XXXX | XXXX | 304685280 | Closed | 2025-05-23 23:36 | 2025-05-29 14:45 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. Uploaded for review - Seller-05/28/2025 Open-Missing HCO list - Due Diligence Vendor-05/23/2025 |
Ready for Review-Document Uploaded. Uploaded for review - Seller-05/28/2025 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/29/2025 |
XXXX | VA | Primary Residence | Refinance | Cash Out - Other | 4236163 | N/A | N/A | |||
| XXXX | XXXX | 304685280 | Closed | 2025-05-21 17:50 | 2025-05-23 23:32 | Resolved | 1 - Information | A | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided, resolved. - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. Uploaded for review - Seller-05/23/2025 Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-05/21/2025 |
Ready for Review-Document Uploaded. Uploaded for review - Seller-05/23/2025 |
Resolved-ITP provided, resolved. - Due Diligence Vendor-05/23/2025 |
XXXX | VA | Primary Residence | Refinance | Cash Out - Other | 4207404 | N/A | N/A | |||
| XXXX | XXXX | 304685280 | Closed | 2025-05-16 07:32 | 2025-05-21 17:27 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided, resolved. - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. Uploaded for review - Seller-05/20/2025 Open-TRID: Missing Closing Disclosure Missing Initial CD. - Due Diligence Vendor-05/16/2025 |
Ready for Review-Document Uploaded. Uploaded for review - Seller-05/20/2025 |
Resolved-Initial CD provided, resolved. - Due Diligence Vendor-05/21/2025 |
XXXX | VA | Primary Residence | Refinance | Cash Out - Other | 4160512 | N/A | N/A | |||
| XXXX | XXXX | 304717722 | Closed | 2025-05-14 13:51 | 2025-05-29 11:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested XXXX Months' Rent Receipts Provided hence resolved. - Due Diligence Vendor-05/29/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. Please find rental lease and past 1 XXXX rent payments for primary residence in XXXX. - Buyer-XXXX Open-Housing History Does Not Meet Guideline Requirements Borrower lives for rent and no VOR or payment History of rent receipts provided in file - Due Diligence Vendor-05/14/2025 |
Resolved-Requested XXXX Months' Rent Receipts Provided hence resolved. - Due Diligence Vendor-05/29/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/29/2025 |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
NJ | Investment | Refinance | Cash Out - Other | 4137462 | N/A | N/A | ||||
| XXXX | XXXX | 304685933 | Closed | 2025-05-15 07:55 | 2025-06-03 17:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Resolved-Lender confirmed B1 & B2 are XXXXwith required documents in file. Finding resolved. - Due Diligence Vendor-06/03/2025 Open-Borrower 2XXXX Identification Document Missing. Please provide acceptable documentation. - Due Diligence Vendor-06/03/2025 Resolved-Lender confirmed B1 & B2 are non perm residents with required documents in file. Finding resolved. - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. - Seller-05/27/2025 Ready for Review-Both borrowers are XXXX XXXX XXXX XXXX. Per our gl, the highlighted are acceptable documents. - Buyer-XXXX Counter- - Due Diligence Vendor-05/23/2025 Resolved-Lender provided Notice of Action in B1 finding. Please provide copy of passport as required per GLs. Finding countered. - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. We have obtained the necessary documentation for Non-Permanent Resident Aliens. 4.5XXXX A XXXX is a XXXX authorized to live and work in theXXXX. on a temporary basis.XXXX Alien borrowers are eligible for all products and programs available on the applicable XXXX matrix. 4.5.1 VERIFICATION OF RESIDENCY STATUS The following visa classifications are allowed as Non-Permanent Resident Aliens: Ÿ XXXX Ÿ XXXX Ÿ XXXX Ÿ XXXX Ÿ XXXX XXXX Ÿ XXXX Ÿ XXXX Ÿ XXXX(XXXX) Copies of the borrower’s passport and unexpired visa must be obtained. Acceptable alternative documentation to verify visa classification is an XXXXform (Notice of Action) with valid extension dates and an XXXX form (Arrival/Departure Record). Borrowers unable to provide evidence of lawful residency status in the U.S. are not eligible for financing. A valid employment authorization document (XXXX) must be obtained if the visa is not sponsored by the borrower’s current employer. If the visa will expire within XXXX months of loan application, it is acceptable to obtain a letter from the employer documenting the borrower’s continued employment and continued visa renewal sponsorship (employer on the loan application must be the same as on the unexpired visa). If a XXXX is borrowing with a XXXX, it does not eliminate visa or other residency requirements. Individuals in possession of spouse or family member visas are to qualify as co-borrowers only. A valid XXXX must be provided to use income for qualification. Borrowers who are residents of countries which participate in the State Department’s Visa Waiver Program (XXXX) will not be required to provide a valid visa. Participating countries can be verified through the U.S. Department of State website at https://travel.state.gov/content/travel/en/us-visas/tourism-visit/visa-waiverprogram.html. - Seller-05/22/2025 Open-Borrower 2XXXX Identification Document Missing. Please provide acceptable documentation. Borrower 2 is XXXX, Require Relevant document of XXXX XXXX, XXXX, etc.,) - Due Diligence Vendor-05/15/2025 |
Ready for Review-Document Uploaded. - Seller-05/27/2025 Ready for Review-Document Uploaded. We have obtained the necessary documentation for Non-Permanent Resident Aliens. 4.5 XXXX A XXXX is aXXXXauthorized to live and work in the U.S. on a temporary basis.XXXX borrowers are eligible for all products and programs available on the applicable XXXX matrix. 4.5.1 VERIFICATION OF RESIDENCY STATUS The following visa classifications are allowed as Non-Permanent Resident Aliens: Ÿ EXXXX Ÿ XXXX Ÿ XXXX Ÿ XXXX Ÿ XXXX Ÿ XXXX Ÿ XXXX Ÿ XXXX Copies of the borrower’s passport and unexpired visa must be obtained. Acceptable alternative documentation to verify visa classification is anXXXXform (Notice of Action) with valid extension dates and an XXXX form (Arrival/Departure Record). Borrowers unable to provide evidence of lawful residency status in the U.S. are not eligible for financing. A valid employment authorization document (XXXX) must be obtained if the visa is not sponsored by the borrower’s current employer. If the visa will expire within XXXX months of loan application, it is acceptable to obtain a letter from the employer documenting the borrower’s continued employment and continued visa renewal sponsorship (employer on the loan application must be the same as on the unexpired visa). If a XXXX is borrowing with a XXXX, it does not eliminate visa or other residency requirements. Individuals in possession of spouse or family member visas are to qualify as co-borrowers only. A valid XXXX must be provided to use income for qualification. Borrowers who are residents of countries which participate in the State Department’s Visa Waiver Program (XXXX) will not be required to provide a valid visa. Participating countries can be verified through the U.S. Department of State website at https://travel.state.gov/content/travel/en/us-visas/tourism-visit/visa-waiverprogram.html. - Seller-05/22/2025 |
Resolved-Lender confirmed B1 & B2 are XXXX with required documents in file. Finding resolved. - Due Diligence Vendor-06/03/2025 Resolved-Lender confirmed B1 & B2 are XXXX with required documents in file. Finding resolved. - Due Diligence Vendor-05/28/2025 Resolved-Lender provided Notice of Action in B1 finding. Please provide copy of passport as required per GLs. Finding countered. - Due Diligence Vendor-05/23/2025 |
XXXX XXXX |
TX | Investment | Refinance | Cash Out - Other | 4146967 | N/A | N/A | |||
| XXXX | XXXX | 304685933 | Closed | 2025-05-15 07:55 | 2025-06-03 17:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Lender confirmed B1 & B2 are non perm residents with required documents in file. Finding resolved. - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. - Buyer-05/27/2025 Ready for Review-Both borrowers are non permanent resident alien. Per our gl, the highlighted are acceptable documents. - Buyer-05/27/2025 Counter- - Due Diligence Vendor-05/23/2025 Rescinded-XXXXa for B2 in file. Please provide copy of Permanent resident card as listed in GLs. Finding countered. - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. We have the required documents for PERMANENT RESIDENT ALIENS 4.4 PERMANENT RESIDENT ALIENS A permanent resident alien is a non-U.S. citizen authorized to live and work in the U.S. on a permanent basis. Permanent resident aliens are eligible for financing. Acceptable evidence of lawful permanent residency must be documented and meet one of the following criteria: ŸXXXX – Permanent Resident Card (Green Card) that does not have an expiration date ŸXXXX – Permanent Resident Card (Green Card) issued for 10 years that has not expired ŸXXXX – Conditional Permanent Resident Card (Green Card) issued for 2 years that has an expiration date, as long as it is accompanied by a copy of USCIS FormXXXX requesting removal of the conditions Ÿ Un-expired Foreign Passport with an un-expired stamp reading as follows: “Processed for XXXX Temporary Evidence of Lawful Admission for Permanent Residence. Valid until mm-dd-yy. Employment Authorized.” - Seller-05/22/2025 Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower 1 is permanent Resident alien, Require Relevant document of non Us citizen (Permanent Resident card, EAD, Visa, etc.,) - Due Diligence Vendor-05/15/2025 |
Ready for Review-Document Uploaded. We have the required documents for PERMANENT RESIDENT ALIENS 4.4 PERMANENT RESIDENT ALIENS A permanent resident alien is a non-U.S. citizen authorized to live and work in the U.S. on a permanent basis. Permanent resident aliens are eligible for financing. Acceptable evidence of lawful permanent residency must be documented and meet one of the following criteria: Ÿ XXXX – Permanent Resident Card (Green Card) that does not have an expiration date Ÿ XXXX – Permanent Resident Card (Green Card) issued for 10 years that has not expired ŸXXXX – Conditional Permanent Resident Card (Green Card) issued for 2 years that has an expiration date, as long as it is accompanied by a copy of USCIS Form I-XXXX requesting removal of the conditions Ÿ Un-expired Foreign Passport with an un-expired stamp reading as follows: “Processed forXXXX Temporary Evidence of Lawful Admission for Permanent Residence. Valid until mm-dd-yy. Employment Authorized.” - Seller-05/22/2025 |
Resolved-Lender confirmed XXXX & XXXX are non perm residents with required documents in file. Finding resolved. - Due Diligence Vendor-05/28/2025 Rescinded-XXXXa for XXXX in file. Please provide copy of Permanent resident card as listed in GLs. Finding countered. - Due Diligence Vendor-05/23/2025 |
XXXX | TX | Investment | Refinance | Cash Out - Other | 4146966 | N/A | N/A | |||
| XXXX | XXXX | 304685933 | Closed | 2025-05-15 08:26 | 2025-05-28 13:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Provided document shows "1st lien amount is $XXXX+$XXXX = $XXXX / $XXXX (AVM value) = XXXX% CLTV". The lien amount of $XXXX belongs to primary residence not the subject. CLTV now matches. Finding resolved. - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. Looks like they are including first lien balance that is NOT for the subject. 1st lien amount is $XXXX+$XXXX = $XXXX / $XXXX (AVM value) = XXXX% CLTV. The lien amount of $XXXX belongs to primary residence not the subject. Below is a copy of mortgage statement on the subject. - Buyer-05/27/2025 Open-Audited CLTV Exceeds Guideline CLTV Calculated CLTV exceeds GL CLTV of max XXXX%, as Unpaid balance of First Lien +Loan amount/Property Value *XXXX% is $XXXX+$XXXX = $XXXX/$XXXX*XXXX% = XXXX% - Due Diligence Vendor-05/15/2025 |
Resolved-Provided document shows "1st lien amount is $XXXX+$XXXX = $XXXX / $XXXX (AVM value) = XXXX% CLTV". The lien amount of $XXXX belongs to primary residence not the subject. CLTV now matches. Finding resolved. - Due Diligence Vendor-05/28/2025 |
XXXX | TX | Investment | Refinance | Cash Out - Other | 4147063 | N/A | N/A | ||||
| XXXX | XXXX | 304642462 | Closed | 2025-05-15 06:44 | 2025-05-23 21:25 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-05/23/2025 Ready for Review-Please advise on the discrepancy between the XXXX and XXXX as we do not see where you are coming up with an initial amount of XXXX - Buyer-05/22/2025 Ready for Review-Please disregard exception upload as it was uploaded in error for the wrong file. My apologies - Buyer-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits decreased at Initial CD without COC. - Due Diligence Vendor-05/15/2025 |
Resolved-Resolved - Due Diligence Vendor-05/23/2025 |
NH | Primary Residence | Refinance | Cash Out - Other | 4146392 | N/A | N/A | |||||
| XXXX | XXXX | 304642462 | Closed | 2025-05-19 14:55 | 2025-05-20 19:02 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income/Employment General | Waived-Lender provided approved Exception in file, p. XXXX, to allow use of tax transcript provided by borrower via irs.gov in lieu of transcripts obtained by XXXX. May proceed with XXXX Record of Account provided by borrower, exact match to income docs provided. Finding waived. - Due Diligence Vendor-05/19/2025 |
Waived-Lender provided approved Exception in file, p. XXXX, to allow use of tax transcript provided by borrower via irs.gov in lieu of transcripts obtained by XXX. May proceed with XXXX Record of Account provided by borrower, exact match to income docs provided. Finding waived. - Due Diligence Vendor-05/19/2025 |
1.LTV is XXXX%. Maximum allowed per guidelines is XXXX%. 2.Credit Score is XXXX. Minimum required per guidelines is XXXX. 3. Senior lien mortgage at XXXX for XXXX months. |
NH | Primary Residence | Refinance | Cash Out - Other | 4178020 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 304700182 | Closed | 2025-05-14 06:40 | 2025-05-22 14:55 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX provided and entered into LM - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-Qualifying FICO on the XXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. XXXX shows FICO XXXX and as per qualified method FICO getting XXXX. - Due Diligence Vendor-05/14/2025 |
Resolved-Updated XXXX provided and entered into LM - Due Diligence Vendor-05/22/2025 |
XXXX | UT | Primary Residence | Refinance | Cash Out - Other | 4135205 | N/A | N/A | ||||
| XXXX | XXXX | 304700182 | Closed | 2025-05-20 03:48 | 2025-05-22 08:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM Report that is within XXXX days from closing date uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-Borrower XXXX XXXX Credit Report is Missing Required XXXX credit report with XXXX business days from closing date. - Due Diligence Vendor-05/20/2025 |
Resolved-XXXX Report that is within XXXX days from closing date uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/22/2025 |
XXXX | UT | Primary Residence | Refinance | Cash Out - Other | 4187393 | N/A | N/A | ||||
| XXXX | XXXX | 304700319 | Closed | 2025-05-20 14:00 | 2025-05-28 02:24 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Exception Approved - Due Diligence Vendor-05/28/2025 Ready for Review-Waive the condition. Detached XXXX, XXXX master insurance not required - Due Diligence Vendor-05/21/2025 Open-The subject property is a XXXX. Provide XXXX/XXXX master insurance policy as required per XXXX. - Due Diligence Vendor-05/20/2025 |
Waived-Exception Approved - Due Diligence Vendor-05/28/2025 |
XXXX FICO. XXXX Min. XXXX% LTV. Max LTV is XXXX%. |
CA | Primary Residence | Refinance | Cash Out - Other | 4190495 | Investor Post-Close | No | ||||
| XXXX | XXXX | 304692055 | Closed | 2025-05-16 10:45 | 2025-05-27 10:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower XXXX XXXX Credit Report provided. Resolved - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/23/2025 Open-Borrower XXXX XXXX Credit Report is Missing - Due Diligence Vendor-05/16/2025 |
Resolved-Borrower XXXX Gap Credit Report provided. Resolved - Due Diligence Vendor-05/27/2025 |
XXXX | MA | Primary Residence | Refinance | Cash Out - Other | 4161144 | N/A | N/A | ||||
| XXXX | XXXX | 304685911 | Closed | 2025-05-16 09:14 | 2025-05-23 22:28 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Prior insurance policy provided, resolved. - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. XXXX uploaded for review - Buyer-05/22/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date on final XXXX is XXXX. Missing evidence sub prop had coverage at close. - Due Diligence Vendor-05/16/2025 |
Resolved-Prior insurance policy provided, resolved. - Due Diligence Vendor-05/23/2025 |
XXXX | NJ | Primary Residence | Refinance | Cash Out - Other | 4160809 | N/A | N/A | ||||
| XXXX | XXXX | 304693701 | Closed | 2025-05-16 04:54 | 2025-05-27 10:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document provided. Resolved - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. Info on this XXXX - Buyer-05/23/2025 Open-The XXXX document is missing from the loan file. Provided XXXX document, p XXXX, is missing with Amount of Subordinate Financing for subject property and missing the qualifying FICO score. - Due Diligence Vendor-05/16/2025 |
Resolved-Updated XXXX document provided. Resolved - Due Diligence Vendor-05/27/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4159423 | N/A | N/A | ||||
| XXXX | XXXX | 304693701 | Closed | 2025-05-16 09:57 | 2025-05-22 14:44 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); 12 CFR XXXX(a)(iii)) "Requirements of HPML have been met". Resolved. This loan failed the higher-priced mortgage loan test. ( 12 CFR § XXXX(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’XXXX Rate lock date was entered correctly – see Pg#’s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure OR the LE’s page as the page#XXXX-XXXX. confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-05/16/2025 |
Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); 12 CFR XXXX(a)(iii)) "Requirements of XXXX have been met". Resolved. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXXX and the calculated XXXX, the loan is a higher-priced mortgage loan, as defined in Regulation ZXXXX While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, XXXX, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’XXXX Rate lock date was entered correctly – see Pg#’s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, XXXX Appraisal Disclosure OR the LE’s page as the page#XXXX-XXXX. confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX The loan meets XXXX Guidelines, resolved. - Due Diligence Vendor-05/16/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4160948 | N/A | N/A | |||||
| XXXX | XXXX | 304693701 | Closed | 2025-05-16 09:57 | 2025-05-22 14:44 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR XXXX(a)(1)(iii)) "Requirements of HPML have been met" This loan failed the higher-priced mortgage loan test. ( 12 CFR § XXXX(a)(1) )Using the greater of the disclosed XXXX and the calculated XXXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’XXXX Rate lock date was entered correctly – see Pg#’s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure OR the LE’s page as the page#XXXX-XXXX. confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-05/16/2025 |
Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) "Requirements of HPML have been met" This loan failed the higher-priced mortgage loan test. ( 12 CFR § XXXX(a)(1) )Using the greater of the disclosed XXXX and the calculated XXXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly. All disclosures, XXXX, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’XXXX Rate lock date was entered correctly – see Pg#’s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, XXXX Appraisal Disclosure OR the XXXX page as the page#XXXX-XXXX. confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX The loan meets XXXX Guidelines, resolved. - Due Diligence Vendor-05/16/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4160947 | N/A | N/A | |||||
| XXXX | XXXX | 304717720 | Closed | 2025-05-21 19:53 | 2025-05-21 19:54 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception on pg XXXX approved for acreage XXXX acres vs XXXX max. Subject is in Urban/Suburban location with no rural or agricultural influence. - Due Diligence Vendor-05/21/2025 | Waived-Loan does not conform to program guidelines Exception on pg XXXX approved for acreage XXXX acres XXXX XXXX max. Subject is in Urban/Suburban location with no rural or agricultural influence. - Due Diligence Vendor-05/21/2025 |
DTI XXXX% max per guidelines is XXXX% Fico is XXXX minimum per guidelines is XXXX Residual income- $XXXX required per guidelines is none |
CA | Primary Residence | Refinance | Cash Out - Other | 4208933 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 304717720 | Closed | 2025-05-19 10:48 | 2025-05-21 19:57 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX-XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/19/2025 |
Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § XXXX(a)(1) )Using the greater of the disclosed APR and the calculated XXXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX-XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-05/19/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4175654 | N/A | N/A | |||||
| XXXX | XXXX | 304717720 | Closed | 2025-05-19 10:48 | 2025-05-19 10:48 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX-XXXX and the Final Closing disclosure on Pg#’s XXXX-XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/19/2025 |
Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, XXXX, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX-XXXX and the Final Closing disclosure on Pg#’s XXXX-XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX-XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-05/19/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4175655 | N/A | N/A | |||||
| XXXX | XXXX | 304717675 | Closed | 2025-05-28 19:47 | 2025-06-02 18:31 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Final policy provided, resolved. - Due Diligence Vendor-06/02/2025 Ready for Review-Document Uploaded. title attached. - Buyer-05/30/2025 Open-Title Coverage Amount of $XXXX is Less than Loan Amount Coverage on policy provided is lower than loan amount. - Due Diligence Vendor-05/28/2025 |
Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Final policy provided, resolved. - Due Diligence Vendor-06/02/2025 |
XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | 4261580 | N/A | N/A | ||||
| XXXX | XXXX | 304717675 | Closed | 2025-05-21 04:41 | 2025-05-29 12:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX Document Provided hence resolved. - Due Diligence Vendor-05/29/2025 Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. 1008 attached. - Buyer-05/28/2025 Open-The XXXX document is missing from the loan file. Missing XXXX - Due Diligence Vendor-05/28/2025 |
Resolved-Requested XXXX Document Provided hence resolved. - Due Diligence Vendor-05/29/2025 Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-05/29/2025 |
XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | 4200011 | N/A | N/A | ||||
| XXXX | XXXX | 304717675 | Closed | 2025-05-21 07:10 | 2025-05-29 12:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Mortgage Statements Provided for Senior Lien hence resolved. - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. please use mortgage statement and credit report. - Buyer-05/28/2025 Open-Missing XXXX and XXXX for XXXX lien - Due Diligence Vendor-05/21/2025 |
Resolved-Requested Mortgage Statements Provided for Senior Lien hence resolved. - Due Diligence Vendor-05/29/2025 |
XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | 4200742 | N/A | N/A | ||||
| XXXX | XXXX | 304717684 | Closed | 2025-05-21 06:34 | 2025-05-30 13:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Explanation provided by lender. LM updated - Due Diligence Vendor-05/30/2025 Resolved-Flood Certificate is fully present - Due Diligence Vendor-05/30/2025 Resolved-Explanation provided by lender, - Due Diligence Vendor-05/30/2025 Ready for Review-Document Uploaded. Please see attached explanation for why this is: XXXX does not map XXXX, but assigns the whole area as zone XXXX. The determination will show an NFIP Community, but no map panel or effective date (since no map was created). - Buyer-05/29/2025 Open-Flood Certificate is Partially Provided NFIP Map Panel Effective Date and NFIP Map Number is missing . Provide updated Flood Cert - Due Diligence Vendor-05/21/2025 |
Resolved-Explanation provided by lender. LM updated - Due Diligence Vendor-05/30/2025 Resolved-Flood Certificate is fully present - Due Diligence Vendor-05/30/2025 Resolved-Explanation provided by lender, - Due Diligence Vendor-05/30/2025 |
XXXX | MI | Primary Residence | Refinance | Cash Out - Other | 4200340 | N/A | N/A | ||||
| XXXX | XXXX | 304687719 | Closed | 2025-05-22 08:43 | 2025-06-06 12:00 | Resolved | 1 - Information | C | A | Compliance | Fees:Limited | Texas - Restricted Admin Fees (Regulated Loans > $1,000) | Resolved-XXXX provided. - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. XXXX showing refund with regard to the Administration Fee. - Seller-06/05/2025 Counter-Confirmed for the $XXXX Admin fee. - Due Diligence Vendor-06/02/2025 Ready for Review-Please confirm this is related to just the $XXXX Compliance/Admin Fee and no other fees on the Final CD. - Buyer-05/30/2025 Open-The Texas Credit Title Regulated Loans Provisions prohibit administration fees in excess of $XXXX on loans greater than $XXXX. (Tex. Fin. Code 342.308(a)(9)) Loan Failed - Texas - Restricted Admin Fees. - Due Diligence Vendor-05/30/2025 Open-The Texas Credit Title Regulated Loans Provisions prohibit administration fees in excess of $XXXX on loans greater than $XXXX. (Tex. Fin. Code 342.308(a)(9)) Loan Failed - Texas - Restricted Admin Fees. - Due Diligence Vendor-05/22/2025 |
Ready for Review-Document Uploaded. XXXX showing refund with regard to the Administration Fee. - Seller-06/05/2025 |
Resolved-XXXX provided. - Due Diligence Vendor-06/06/2025 |
XXXX | TX | Investment | Refinance | Cash Out - Other | 4211918 | N/A | N/A | |||
| XXXX | XXXX | 304687719 | Closed | 2025-05-22 08:43 | 2025-06-02 18:26 | Resolved | 1 - Information | C | A | Compliance | Fees:Prohibited | Texas - Interest Fees Not Allowed (TCTRLP) | Resolved-Resolved. Duplicate finding rescinded in prior fees. - Due Diligence Vendor-06/02/2025 Ready for Review-Please clarify. I do not see any fees on the Final CD labeled as Commitment/Rate Lock or any Escrow Waiver Fees. What specific fees are out of compliance? - Buyer-05/30/2025 Open-The Texas Credit Title Regulated Loan Provisions do not allow the following fees to be paid by the Borrower: Commitment (Rate XXXX) Fee and Escrow Waiver Fee.(Tex. Fin. Code XXXX). Loan Failed Texas - Interest Fees Not Allowed. - Due Diligence Vendor-05/30/2025 Open-The Texas Credit Title Regulated Loan Provisions do not allow the following fees to be paid by the Borrower: Commitment (Rate XXXX) Fee and Escrow Waiver Fee.(Tex. Fin. Code XXXX). Loan Failed Texas - Interest Fees Not Allowed. - Due Diligence Vendor-05/22/2025 |
Resolved-Resolved. Duplicate finding rescinded in prior fees. - Due Diligence Vendor-06/02/2025 |
TX | Investment | Refinance | Cash Out - Other | 4211914 | N/A | N/A | |||||
| XXXX | XXXX | 304687719 | Closed | 2025-05-22 07:27 | 2025-05-31 10:22 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX with correct FICO provided. Resolved - Due Diligence Vendor-05/31/2025 Ready for Review-Document Uploaded. XXXX is the correct credit score. Updated XXXX uploaded for review. - Seller-05/30/2025 Open-Qualifying FICO on the XXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. XXXX has no income and XXXX has income, FICO method considered primary wage earner per guidelines. Provide updated document with correct FICO - Due Diligence Vendor-05/22/2025 |
Ready for Review-Document Uploaded. XXXX is the correct credit score. Updated XXXX uploaded for review. - Seller-05/30/2025 |
Resolved-Updated XXXX with correct XXXX provided. Resolved - Due Diligence Vendor-05/31/2025 |
XXXX | TX | Investment | Refinance | Cash Out - Other | 4211717 | N/A | N/A | |||
| XXXX | XXXX | 304717674 | Closed | 2025-05-22 05:53 | 2025-06-02 20:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE dated XXXX provided in Findings: XXXX.PDF. Resolved. - Due Diligence Vendor-06/02/2025 Resolved-Borrower 1 XXXX Party XXXX Prior to Close Was Provided - Due Diligence Vendor-06/02/2025 Ready for Review-Document Uploaded. - Buyer-06/02/2025 Open-Borrower 1 XXXX Party VOE Prior to Close Missing The XXXX Party VOE Prior to Close missing. - Due Diligence Vendor-05/22/2025 |
Resolved-VVOE dated XXXX provided in Findings: XXXX.PDF. Resolved. - Due Diligence Vendor-06/02/2025 Resolved-Borrower 1 XXXX Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/02/2025 |
XXXX | NJ | Investment | Refinance | Cash Out - Other | 4211458 | N/A | N/A | ||||
| XXXX | XXXX | 304717674 | Closed | 2025-05-22 07:03 | 2025-06-02 12:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated final XXXX Provided with updated Employment & Income Details hence resolved. - Due Diligence Vendor-06/02/2025 Resolved-The Final XXXX is Present - Due Diligence Vendor-06/02/2025 Ready for Review-Document Uploaded. SEe XXXX updated-This does not have to match perfectly anyway. Please waive this condition. - Buyer-05/30/2025 Open-The Final XXXX is Incomplete The XXXX provided included income from two employers while only the income of $XXXX from Employer 1 was utilized for qualifying purposes. The second income of $XXXX from Employer XXXX was not included for qualifying purposes. The Final Loan Approval, XXXX, and verified income reflects $XXXX. - Due Diligence Vendor-05/22/2025 |
Resolved-Requested updated final XXXX Provided with updated Employment & Income Details hence resolved. - Due Diligence Vendor-06/02/2025 Resolved-The Final XXXX is Present - Due Diligence Vendor-06/02/2025 |
XXXX | NJ | Investment | Refinance | Cash Out - Other | 4211633 | N/A | N/A | ||||
| XXXX | XXXX | 304695605 | Closed | 2025-05-22 12:54 | 2025-06-02 19:53 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided. - Due Diligence Vendor-06/02/2025 Ready for Review-Document Uploaded. uploaded for review - Buyer-06/02/2025 Open-Missing SignedXXXX Disclosure. Required on Primary Residence and Second Homes. Missing Signature in XXXX Disclosure. - Due Diligence Vendor-05/22/2025 |
Resolved-ITP provided. - Due Diligence Vendor-06/02/2025 |
XXXX | MA | Primary Residence | Refinance | Cash Out - Other | 4213222 | N/A | N/A | ||||
| XXXX | XXXX | 304717681 | Closed | 2025-05-23 09:13 | 2025-05-29 16:34 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR XXXX(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#XXXX reflects escrows. Rate lock date was entered correctly see Pg# XXXX An interior and exterior appraisal was completed for this property – see Page# XXXX the appraisal disclosure was provided to the borrower(s)- see Pg# XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the delivery confirmation. The loan meets XXXX guidelines - Due Diligence Vendor-05/23/2025 | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, XXXX, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#XXXX reflects escrows. Rate lock date was entered correctly see Pg# XXXX An interior and exterior appraisal was completed for this property – see Page# XXXX the appraisal disclosure was provided to the borrower(s)- see Pg# XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the delivery confirmation. The loan meets XXXX guidelines - Due Diligence Vendor-05/23/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4224602 | N/A | N/A | |||||
| XXXX | XXXX | 304717681 | Closed | 2025-05-23 09:13 | 2025-05-29 16:33 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#XXXX reflects escrows. Rate lock date was entered correctly see Pg# XXXX An interior and exterior appraisal was completed for this property – see Page# XXXX the appraisal disclosure was provided to the borrower(s)- see Pg# XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-05/23/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, XXXX, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#XXXX reflects escrows. Rate lock date was entered correctly see Pg# XXXX An interior and exterior appraisal was completed for this property – see Page# XXXX the appraisal disclosure was provided to the borrower(s)- see Pg# XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-05/23/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4224603 | N/A | N/A | |||||
| XXXX | XXXX | 304717704 | Closed | 2025-05-28 13:35 | 2025-06-07 03:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-06/07/2025 Ready for Review-Lender provided updated Final XXXX. Finding resolved. - Due Diligence Vendor-06/07/2025 Ready for Review-Document Uploaded. - Buyer-06/06/2025 Open-The Final XXXX is Incomplete Borrower Citizenship per Final XXXX is Non-Permanent Resident Alien, But Provided Permanent Id XXXX Along with DL of USA - Due Diligence Vendor-05/28/2025 |
Resolved-The Final XXXX is Present - Due Diligence Vendor-06/07/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4255026 | N/A | N/A | ||||
| XXXX | XXXX | 304717704 | Closed | 2025-05-28 13:32 | 2025-06-07 03:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-06/07/2025 Resolved-Lender provided updated XXXX. Finding resolved. - Due Diligence Vendor-06/07/2025 Ready for Review-Document Uploaded. - Buyer-06/06/2025 Open-The XXXX document is missing from the loan file. Property value of $XXXX in XXXX printed wrong which is not matching with Appraisal value of $XXXX, but all calculated LTV , CLTV reflects on XXXX Printed Correctly - Due Diligence Vendor-05/28/2025 |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-06/07/2025 Resolved-Lender provided updated XXXX. Finding resolved. - Due Diligence Vendor-06/07/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4255000 | N/A | N/A | ||||
| XXXX | XXXX | 304717704 | Closed | 2025-05-28 13:23 | 2025-05-29 19:48 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Collateral Documentation | Waived-Lender provided approved exception, pg. XXXX, to proceed with EA product XXXX lien with subject listed for sale within XXXX mo of application date. Bwr LOE does make sense with current 1st mortgage rate being XXXX% which would not be available if he sold and purchased at today's rates. We are close to the 6mo since the most recent listing. It is required to base CLTV off the lower of appraised value or most recent list price on all of our refi products. Finding waived. - Due Diligence Vendor-05/28/2025 | Waived-Lender provided approved exception, pg. XXXX, to proceed with XXXX product XXXX lien with subject listed for sale within XXXX mo of application date. Bwr LOE does make sense with current 1st mortgage rate being XXXX% which would not be available if he sold and purchased at today's rates. We are close to the XXXX since the most recent listing. It is required to base CLTV off the lower of appraised value or most recent list price on all of our refi products. Finding waived. - Due Diligence Vendor-05/28/2025 |
Credit Score is XXXX. Minimum required per guidelines is XXXX. DTI is XXXX%. Maximum allowed per guidelines is XXXX%. Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. |
CA | Primary Residence | Refinance | Cash Out - Other | 4254875 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 304717723 | Closed | 2025-05-28 07:46 | 2025-06-12 21:40 | Resolved | 1 - Information | C | A | Compliance | Mavent | License: Loan Originator | Resolved-Lender confirmed XXXX is allowed to be unlicensed in XXXX. Finding resolved. - Due Diligence Vendor-06/12/2025 Ready for Review-Document Uploaded. This is a XXXX loan (investment property), per the uploaded matrix in Massachusetts, the company and LO can be unlicensed. Please clear as presented, thank you - Buyer-06/11/2025 Open-A relationship between Michael DeSantis (NMLS ID: XXXX) and the company (Company NMLS ID: XXXX) does not exist in the NMLS Consumer Access as of XXXX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-05/28/2025 |
Resolved-Lender confirmed XXXX is allowed to be unlicensed in XXXX. Finding resolved. - Due Diligence Vendor-06/12/2025 |
XXXX | MA | Investment | Refinance | Cash Out - Other | 4252703 | N/A | N/A | ||||
| XXXX | XXXX | 304717723 | Closed | 2025-05-28 08:08 | 2025-06-12 07:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 XXXX Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/12/2025 Ready for Review-Document Uploaded. - Buyer-06/11/2025 Open-Borrower 1 XXXX Party VOE Prior to Close Missing We have VOE for PRO XXXX but VOE is missing A-List Detailing business, we need VOE for A-List Detailing. - Due Diligence Vendor-05/28/2025 |
Resolved-Borrower 1 XXXX Party XXXX Prior to Close Was Provided - Due Diligence Vendor-06/12/2025 |
XXXX | MA | Investment | Refinance | Cash Out - Other | 4252843 | N/A | N/A | ||||
| XXXX | XXXX | 304717724 | Closed | 2025-05-27 11:10 | 2025-06-17 12:19 | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Print date on XXXX is XXXX, disclosure tracking on page XXXX reflects application date as 3/28/25. - Due Diligence Vendor-06/17/2025 Resolved-Resolved - Due Diligence Vendor-06/17/2025 Ready for Review-Document Uploaded. Please see the attached in initial. XXXX dated on XXXX which is well with in the three day window please clear this finding - Buyer-06/16/2025 Open-The Homeownership Counseling Disclosure Sent Date (XXXX) is more than XXXX business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Disclosure Sent Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). - Due Diligence Vendor-05/27/2025 |
Resolved-Print date on XXXX isXXXX, disclosure tracking on page XXXX reflects application date as XXXX. - Due Diligence Vendor-06/17/2025 Resolved-Resolved - Due Diligence Vendor-06/17/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4241228 | N/A | N/A | ||||
| XXXX | XXXX | 304717724 | Closed | 2025-05-27 11:10 | 2025-06-17 12:19 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Print date on XXXX is XXXX, disclosure tracking on page XXXX reflects application date as XXXX. - Due Diligence Vendor-06/17/2025 Resolved-Resolved - Due Diligence Vendor-06/17/2025 Ready for Review-Document Uploaded. Please see the attached in initial. XXXX dated on XXXX which is well with in the three day window please clear this finding - Seller-06/16/2025 Open-The Initial Loan Estimate Disclosure Date (XXXX) is more than XXXX business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) The Initial Loan Estimate Disclosure Date (XXXX) is more than XXXX business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). - Due Diligence Vendor-05/27/2025 |
Ready for Review-Document Uploaded. Please see the attached in initial. XXXX dated on XXXX which is well with in the three day window please clear this finding - Seller-06/16/2025 |
Resolved-Print date on XXXX is XXXX, disclosure tracking on page XXXX reflects application date as XXXX. - Due Diligence Vendor-06/17/2025 Resolved-Resolved - Due Diligence Vendor-06/17/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4241227 | N/A | N/A | |||
| XXXX | XXXX | 304717724 | Closed | 2025-05-27 11:10 | 2025-06-17 12:19 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Print date on XXXX is XXXX, disclosure tracking on page XXXX reflects application date as XXXX. - Due Diligence Vendor-06/17/2025 Resolved-Resolved - Due Diligence Vendor-06/17/2025 Ready for Review-Document Uploaded. Please see the attached in initial. XXXX dated onXXXX which is well with in the three day window please clear this finding - Buyer-06/16/2025 Open-The List of Settlement Service Providers Disclosure Date (XXXX) is more than XXXX business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation XXXX, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) The List of Settlement Service Providers Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX) - Due Diligence Vendor-05/27/2025 |
Resolved-Print date on XXXX is XXXX, disclosure tracking on page XXXX reflects application date asXXXX. - Due Diligence Vendor-06/17/2025 Resolved-Resolved - Due Diligence Vendor-06/17/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4241226 | N/A | N/A | ||||
| XXXX | XXXX | 304717688 | Closed | 2025-05-28 12:27 | 2025-06-02 09:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Requested Tax Certificate with the correct tax amount provided hence resolved. - Due Diligence Vendor-06/02/2025 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/02/2025 Ready for Review-Document Uploaded. Uploaded for review - Buyer-06/01/2025 Open-Missing Evidence of Property Tax - Due Diligence Vendor-05/28/2025 |
Resolved-Requested Tax Certificate with the correct tax amount provided hence resolved. - Due Diligence Vendor-06/02/2025 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/02/2025 |
XXXX | NC | Primary Residence | Refinance | Cash Out - Other | 4254217 | N/A | N/A | ||||
| XXXX | XXXX | 304700327 | Closed | 2025-05-29 09:30 | 2025-06-05 15:40 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Buyer-06/04/2025 Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Provide the missing COC dated XXXX. There was an increase in the discount points, courier fee, Doc Tax fee and the Recording Fees. Also, there was a lender credit given on the Final CD. - Due Diligence Vendor-05/29/2025 |
Resolved-Resolved - Due Diligence Vendor-06/05/2025 |
XXXX | MD | Primary Residence | Refinance | Cash Out - Other | 4266395 | N/A | N/A | ||||
| XXXX | XXXX | 304700327 | Closed | 2025-05-29 11:32 | 2025-06-04 12:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Finding Added for Escrow Waiver, no Escrow Waiver is required as loan is second lien, equity advantage, Finding Resolved - Due Diligence Vendor-06/04/2025 Ready for Review-This is a second lien-equity advantage file and this is NOT needed, please clear - Buyer-06/03/2025 Open-As the file is Escrow Waiver , hence Escrow Waiver documents is missing in the file - Due Diligence Vendor-05/29/2025 |
Resolved-Finding Added for Escrow Waiver, no Escrow Waiver is required as loan is second lien, equity advantage, Finding Resolved - Due Diligence Vendor-06/04/2025 |
MD | Primary Residence | Refinance | Cash Out - Other | 4266955 | N/A | N/A | |||||
| XXXX | XXXX | 304717669 | Closed | 2025-06-09 10:17 | 2025-06-09 14:58 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#’s 438. An interior and exterior appraisal was completed for this property – see pg 43, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 510, and copy of the appraisal was given to the borrower – see Pg#’s 21 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #21. The loan meets HPML guidelines - Due Diligence Vendor-06/09/2025 Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-06/09/2025 |
Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#’s 438. An interior and exterior appraisal was completed for this property – see pg 43, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 510, and copy of the appraisal was given to the borrower – see Pg#’s 21 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #21. The loan meets HPML guidelines - Due Diligence Vendor-06/09/2025 |
OR | Primary Residence | Refinance | Cash Out - Other | 4376807 | N/A | N/A | |||||
| XXXX | XXXX | 304717669 | Closed | 2025-05-28 12:35 | 2025-06-09 10:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Resolved - Due Diligence Vendor-06/09/2025 Ready for Review-Document Uploaded. - Buyer-06/06/2025 Open-TRID: Missing Closing Disclosure Missing initial CD in file and any COC associated with the initial CD - Due Diligence Vendor-05/28/2025 |
Resolved-Initial CD provided. Resolved - Due Diligence Vendor-06/09/2025 |
XXXX | OR | Primary Residence | Refinance | Cash Out - Other | 4254337 | N/A | N/A | ||||
| XXXX | XXXX | 304717687 | Closed | 2025-05-30 09:45 | 2025-06-02 17:49 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s 369 An interior and exterior appraisal was completed for this property – see pg 87-98, the appraisal disclosure was provided to the borrower(s)- see Pg# 414, 368 and copy of the appraisal was given to the borrower – see Pg#’s414, 368 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/30/2025 | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s 369 An interior and exterior appraisal was completed for this property – see pg 87-98, the appraisal disclosure was provided to the borrower(s)- see Pg# 414, 368 and copy of the appraisal was given to the borrower – see Pg#’s414, 368 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/30/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4279545 | N/A | N/A | |||||
| XXXX | XXXX | 304717687 | Closed | 2025-05-30 09:45 | 2025-06-02 17:49 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s 369 An interior and exterior appraisal was completed for this property – see pg 87-98, the appraisal disclosure was provided to the borrower(s)- see Pg# 414, 368 and copy of the appraisal was given to the borrower – see Pg#’s414, 368 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/30/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s 369 An interior and exterior appraisal was completed for this property – see pg 87-98, the appraisal disclosure was provided to the borrower(s)- see Pg# 414, 368 and copy of the appraisal was given to the borrower – see Pg#’s414, 368 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/30/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 4279546 | N/A | N/A | |||||
| XXXX | XXXX | 304682146 | Closed | 2025-05-30 10:22 | 2025-06-10 12:04 | Resolved | 1 - Information | C | A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Investment DSCR No Mavent. - Due Diligence Vendor-06/10/2025 Ready for Review-This is an investment property/ Business purpose loan. We do not run mavent or adhere to TRID guides for Business purpose loans. - Buyer-06/09/2025 Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. - Due Diligence Vendor-05/30/2025 |
Resolved-Investment DSCR No Mavent. - Due Diligence Vendor-06/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 4280122 | N/A | N/A | |||||
| XXXX | XXXX | 304693705 | Closed | 2025-05-30 07:27 | 2025-05-30 11:58 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#692 and the Final Closing disclosure on Pg#343. Rate lock date was entered correctly see Pg#’s 858 An interior and exterior appraisal was completed for this property – see pg no10, 111-117 the appraisal disclosure was provided to the borrower(s)- see Pg#’10, 1303 and copy of the appraisal was given to the borrower see Pg 10, 1303, 839 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/30/2025 |
Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#692 and the Final Closing disclosure on Pg#343. Rate lock date was entered correctly see Pg#’s 858 An interior and exterior appraisal was completed for this property – see pg no10, 111-117 the appraisal disclosure was provided to the borrower(s)- see Pg#’10, 1303 and copy of the appraisal was given to the borrower see Pg 10, 1303, 839 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/30/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 4278234 | N/A | N/A | |||||
| XXXX | XXXX | 304702530 | Closed | 2025-06-02 07:42 | 2025-06-11 11:48 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Exception in file which is Denied, verified as borrower has more than 2yrs of employment, exception is not required, Hence Condition is Resolved - Due Diligence Vendor-06/11/2025 Ready for Review-this was no longer needed. - Buyer-06/10/2025 Open-Exception for < 2 yrs S/E is declined. Bwr's income is on a declining trend. Most recent 6 mo income XXXX% less than prior 6 mo. Bwr has only received deposits meeting amount of qualifying income in 4 out of the last 6 mo. Self-Employment history is short, income decling and DTI is XXXX% Exception letter on page no 1881. - Due Diligence Vendor-06/02/2025 |
Resolved-Exception in file which is Denied, verified as borrower has more than 2yrs of employment, exception is not required, Hence Condition is Resolved - Due Diligence Vendor-06/11/2025 |
Fico is XXXX. Low CLTV. All accounts are paid AA. Borrower is using proceeds to payoff revolving accounts. |
CO | Primary Residence | Refinance | Cash Out - Other | 4295269 | N/A | N/A | ||||
| XXXX | XXXX | 304692056 | Closed | 2025-05-30 14:37 | 2025-06-10 09:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/10/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. Please see the attached fraud report. - Buyer-06/09/2025 Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings without cleared comments, a processor cert was not provided - Due Diligence Vendor-05/30/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/10/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/10/2025 |
XXXX | NJ | Primary Residence | Refinance | Cash Out - Other | 4282785 | N/A | N/A | ||||
| XXXX | XXXX | 304692056 | Closed | 2025-05-30 15:15 | 2025-05-30 15:34 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’1388 and the Final Closing disclosure on Pg#463, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’946. An interior and exterior appraisal was completed for this property – see pg#120-150, The appraisal disclosure was provided to the borrower(s)- see Pg#1427, and confirmation the appraisal was delivered to the borrower – see Pg#151-156. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/30/2025 |
Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’1388 and the Final Closing disclosure on Pg#463, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’946. An interior and exterior appraisal was completed for this property – see pg#120-150, The appraisal disclosure was provided to the borrower(s)- see Pg#1427, and confirmation the appraisal was delivered to the borrower – see Pg#151-156. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/30/2025 |
NJ | Primary Residence | Refinance | Cash Out - Other | 4283766 | N/A | N/A | |||||
| XXXX | XXXX | 304694282 | Closed | 2025-06-05 12:33 | 2025-06-09 15:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/09/2025 Ready for Review-Document Uploaded. - Buyer-06/06/2025 Open-The Final 1003 is Incomplete Citizenship discrepancy -Final 1003 reflects non permanent resident however permanent resident card is in file. Missing unexpired passport and visa - Due Diligence Vendor-06/05/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-06/09/2025 |
XXXX | CO | Primary Residence | Refinance | Cash Out - Other | 4342992 | N/A | N/A | ||||
| XXXX | XXXX | 304667608 | Closed | 2025-05-30 10:37 | 2025-06-09 10:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/09/2025 Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-06/09/2025 Ready for Review-Document Uploaded. uploaded for review - Buyer-06/06/2025 Open-Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-05/30/2025 |
Resolved-Borrower 2 Citizenship Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/09/2025 Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-06/09/2025 |
XXXX | FL | Investment | Refinance | Cash Out - Other | 4280212 | N/A | N/A | ||||
| XXXX | XXXX | 304667608 | Closed | 2025-05-30 13:37 | 2025-06-06 10:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Property Value mis match in 1008 in file with Appraisal document, provided Updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-06/06/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. Uploaded for review - Buyer-06/05/2025 Open-The 1008 document is missing from the loan file. Per AVM report in file at #17 and appraisal with value as $XXXX but 1008 and final CD has appraisal value as $XXXX. Provide 1008 with the value of $XXXX. - Due Diligence Vendor-05/30/2025 |
Resolved-Property Value mis match in 1008 in file with Appraisal document, provided Updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-06/06/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/06/2025 |
XXXX | FL | Investment | Refinance | Cash Out - Other | 4281878 | N/A | N/A | ||||
| XXXX | XXXX | 304695612 | Closed | 2025-06-02 15:18 | 2025-06-10 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/10/2025 Resolved-Validation Resolved' - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. Please see the attached Income - XXXX Self Employed Income Analysis - Seller-06/09/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-06/02/2025 |
Ready for Review-Document Uploaded. Please see the attached Income - XXXX Self Employed Income Analysis - Seller-06/09/2025 |
Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/10/2025 Resolved-Validation Resolved' - Due Diligence Vendor-06/10/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 4299092 | N/A | N/A | |||
| XXXX | XXXX | 304695612 | Closed | 2025-06-02 14:50 | 2025-06-10 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/10/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/10/2025 Ready for Review-Please see the attached 1008 - Seller-06/09/2025 Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-06/02/2025 |
Ready for Review-Please see the attached 1008 - Seller-06/09/2025 |
Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/10/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/10/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 4298270 | N/A | N/A | |||
| XXXX | XXXX | 304695612 | Closed | 2025-06-02 16:10 | 2025-06-10 06:57 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice to Home Loan Applicant | Resolved-Home loan tool kit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. Please see the attached Your home loan toolkit. - Buyer-06/09/2025 Open-Home loan tool kit is missing in file. - Due Diligence Vendor-06/02/2025 |
Resolved-Home loan tool kit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/10/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 4300118 | N/A | N/A | ||||
| XXXX | XXXX | 304695612 | Closed | 2025-06-02 16:04 | 2025-06-03 21:05 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – 135 , and copy of the appraisal was given to the borrower – see Pg#’s 135for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/02/2025 |
Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – 135 , and copy of the appraisal was given to the borrower – see Pg#’s 135for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/02/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 4300038 | N/A | N/A | |||||
| XXXX | XXXX | 304687157 | Closed | 2025-06-02 13:15 | 2025-06-05 20:27 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Lender provided approved exception in file, p. 1877, to accept property as eligible collateral despite technically being designated rural or underserved on CFPB lookup tool. Reviewed with SVP of UW on 5/1 and approved. subject is on 2 acres, but has no rural characteristics or agricultural activity on the lot or in immediate vicinity. subject is in a subdivision of estates on 1 acre + lots in close proximity to City of Idaho Falls. Subject is 13 min drive from shopping mall and all suburban conveniences. Finding waived. - Due Diligence Vendor-06/02/2025 | Waived-Lender provided approved exception in file, p. 1877, to accept property as eligible collateral despite technically being designated rural or underserved on CFPB lookup tool. Reviewed with SVP of UW on 5/1 and approved. subject is on 2 acres, but has no rural characteristics or agricultural activity on the lot or in immediate vicinity. subject is in a subdivision of estates on 1 acre + lots in close proximity to City of Idaho Falls. Subject is 13 min drive from shopping mall and all suburban conveniences. Finding waived. - Due Diligence Vendor-06/02/2025 |
CLTV is XXXX%. Maximum allowed per guidelines is XXXX%. Qualifying FICO is XXXX, Guideline FICO XXXX. Qualifying DTI is XXXX%, Guideline XXXX%. |
ID | Primary Residence | Refinance | Cash Out - Other | 4296980 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 304700187 | Closed | 2025-06-02 11:31 | 2025-06-03 16:35 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception on page 1266 for no housing history is approved. Borrower lives in the home of their late spouse. - Due Diligence Vendor-06/02/2025 | Waived-Housing History Does Not Meet Guideline Requirements Exception on page 1266 for no housing history is approved. Borrower lives in the home of their late spouse. - Due Diligence Vendor-06/02/2025 |
DTI is XXXX%. Maximum allowed per guidelines is XXXX%. CLTV is XXXX%. Maximum allowed per guidelines is XXXX%.. Credit Score is XXXX. Minimum required per guidelines is XXXX. |
FL | Investment | Refinance | Cash Out - Other | 4296201 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 304717716 | Closed | 2025-06-04 09:54 | 2025-06-04 10:00 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 909 and the Final Closing disclosure on Pg# 909 reflects escrows. Rate lock date was entered correctly see Pg.’s 1262 An interior and exterior appraisal was completed for this property – see pg. 60 the appraisal disclosure was provided to the borrower(s)- see Pg#’60 and copy of the appraisal was given to the borrower see Pg# 60 for the copy of the disclosure, ECOA disclosure page no #1232. The loan meets HPML guidelines." - Due Diligence Vendor-06/04/2025 |
Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 909 and the Final Closing disclosure on Pg# 909 reflects escrows. Rate lock date was entered correctly see Pg.’s 1262 An interior and exterior appraisal was completed for this property – see pg. 60 the appraisal disclosure was provided to the borrower(s)- see Pg#’60 and copy of the appraisal was given to the borrower see Pg# 60 for the copy of the disclosure, ECOA disclosure page no #1232. The loan meets HPML guidelines." - Due Diligence Vendor-06/04/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 4327919 | N/A | N/A | |||||
| XXXX | XXXX | 304700292 | Closed | 2025-06-06 21:38 | 2025-06-11 11:51 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Fees: Limited | Resolved-PCCD w/cure provided. - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. PCCD shows credit - Buyer-06/10/2025 Open-The total amount of the XXXX% category fees on the last Closing Disclosure ($XXXX) has increased by more than XXXX% over the current baseline value of ($XXXX). The total amount of fees in the XXXX% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender’s Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-06/06/2025 |
Resolved-PCCD w/cure provided. - Due Diligence Vendor-06/11/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4368121 | N/A | N/A | ||||
| XXXX | XXXX | 304685932 | Closed | 2025-06-04 16:54 | 2025-06-11 02:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided 1008. Finding resolved. - Due Diligence Vendor-06/11/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. Please see the attached 1008 - Buyer-06/10/2025 Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-06/04/2025 |
Resolved-Lender provided 1008. Finding resolved. - Due Diligence Vendor-06/11/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/11/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 4333100 | N/A | N/A | ||||
| XXXX | XXXX | 304717701 | Closed | 2025-06-05 12:31 | 2025-06-11 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/11/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. Please see the attached 1008 - Buyer-06/10/2025 Open-The 1008 document is missing from the loan file. The 1008 document is missing . - Due Diligence Vendor-06/05/2025 |
Resolved-1008 missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/11/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/11/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 4342978 | N/A | N/A |