|
Loan Number
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Seller Loan Number
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Originator
|
Last Name
|
Note Date
|
Original Balance
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State
|
TPR QM ATR Status
|
Loan Status
|
Exception Date
|
Remediation Status
|
Exception ID
|
Exception Type
|
Exception Category
|
Exceptions
|
Exception Rebuttal
|
Exception Rebuttal Date
|
Exception Rebuttal Response
|
Exception Rebuttal Response Date
|
Compensating Factors
|
Initial Overall Loan Grade
|
Final Overall Loan Grade
|
Initial Exception Grade
|
Final Exception Grade
|
Initial Credit Grade
|
Final Credit Grade
|
Initial Property Valuation Grade
|
Final Property Valuation Grade
|
Initial Compliance Grade
|
Final Compliance Grade
|
Initial Overall Grade (DBRS/Morningstar)
|
Initial Credit Grade (DBRS/Morningstar)
|
Initial Property Valuation Grade (DBRS/Morningstar)
|
Initial Compliance Grade (DBRS/Morningstar)
|
Initial Overall Grade (Fitch)
|
Initial Credit Grade (Fitch)
|
Initial Property Valuation Grade (Fitch)
|
Initial Compliance Grade (Fitch)
|
Initial Overall Grade (Kroll)
|
Initial Credit Grade (Kroll)
|
Initial Property Valuation Grade (Kroll)
|
Initial Compliance Grade (Kroll)
|
Initial Overall Grade (Moodys)
|
Initial Credit Grade (Moodys)
|
Initial Property Valuation Grade (Moodys)
|
Initial Compliance Grade (Moodys)
|
Final Overall Grade (DBRS/Morningstar)
|
Final Credit Grade (DBRS/Morningstar)
|
Final Property Grade (DBRS/Morningstar)
|
Final Compliance Grade (DBRS/Morningstar)
|
Final Overall Grade (Fitch)
|
Final Credit Grade (Fitch)
|
Final Property Grade (Fitch)
|
Final Compliance Grade (Fitch)
|
Final Overall Grade (Kroll)
|
Final Credit Grade (Kroll)
|
Final Property Grade (Kroll)
|
Final Compliance Grade (Kroll)
|
Final Overall Grade (Moodys)
|
Final Credit Grade (Moodys)
|
Final Property Grade (Moodys)
|
Final Compliance Grade (Moodys)
|
|
409016100
|
XXXXX
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
07/16/2025
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required CDA/CCA or CU of XX/XX/XXXX or less per XXX Program Eligibility
Guide v.XXX.
|
;
|
07/23/2025
|
Third party valuation product provided within tolerance.
|
10/27/2025
|
Borrower has stable job time
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
409016100
|
XXXXX
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
07/12/2025
|
Waived
|
finding-3430
|
Compliance
|
Qualified Mortgage Safe Harbor Threshold
|
This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. [[(12 CFR §1026.43(b)(4), (e)(1))]] This loan does not qualify
for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability
requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section
igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points
for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction.
|
;
|
07/23/2025
|
Exception status changed to Waived per client’s request. Client acknowledges EV2/B finding stating XXX is allowing RP loans in this trade.
|
07/23/2025
|
Borrower has stable job time
|
C
|
B
|
B
|
B
|
C
|
B
|
C
|
B
|
B
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
409016100
|
XXXXX
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
07/15/2025
|
Waived
|
FCRE1193
|
Credit
|
Audited DTI Exceeds Guideline DTI
|
Audited DTI of XXX% exceeds Guideline DTI of XXX% Audited DTI of XXX% exceeds Guideline DTI of XXX%
|
;
|
07/23/2025
|
Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX XXX compensating factors for this purpose: Comp Factors:
XXX) borrower has XXX years on the job XXX) mortgages paid as agreed since XXX) XXX in reserves.
|
07/23/2025
|
Borrower has stable job time
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
B
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
409016100
|
XXXXX
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
07/15/2025
|
Waived
|
FCRE1197
|
Credit
|
Audited FICO is less than Guideline FICO
|
Audited FICO of XXX is less than Guideline FICO of XXX
|
; We will waive the condition below for B grade. : Comp Factors: XXX) XXX in reserves XXX) XXX% LTV XXX) borrower has been in same line of work XXX years ; ; In
XXX review. Nothing needed from the seller at this time.
|
07/23/2025
|
Document Uploaded. The lender waived the following exception with Comp Factors.
|
07/23/2025
|
Borrower has stable job time
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
B
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
409016100
|
XXXXX
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
07/16/2025
|
Waived
|
FPRO2924
|
Property
|
Property Inspection Waiver Used at Origination
|
Property Inspection Waiver or Appraisal Waiver used as origination valuation product. XXX guide v XX/XX/XXXX requires a full appraisal, which was not provided
|
; ; ;
|
07/23/2025
|
Property Inspection Waiver or Appraisal Waiver used as origination valuation product. The lender waived the following exception with a BPO.
|
07/23/2025
|
Borrower has stable job time
|
C
|
B
|
B
|
B
|
C
|
B
|
C
|
B
|
B
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
409016100
|
XXXXX
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
07/16/2025
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Missing full interior/exterior appraisal required per XXX Program Eligibility Guide v11.
|
; ; I have dropped the BPO with value XXX We will waive the conditions below for B grade. ; ; In XXX review. Nothing needed from seller at this time.
|
07/23/2025
|
The lender waived the following exception with BPO.
|
07/23/2025
|
Borrower has stable job time
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
B
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
409018930
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/09/2025
|
Resolved
|
FCOM1227
|
Credit
|
XXX Rider is Missing
|
XXX Rider is Missing The appraisal is marked as a XXX and lists HOA dues.
|
; Documentation received in XXX review.; Document Uploaded. ;
|
09/25/2025
|
XXX rider provided, exception resolved. ; The XXX Rider is Present or is Not Applicable (Property Type is XXX)
|
09/25/2025
|
Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of
XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409018930
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/09/2025
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Borrowers XXX & XXX are non-occupying. Their loan application lists a TIA payment for their primary home. The file contained a letter from borrower stating
no HOA dues on this property. However, the file was missing confirmation of the taxes and insurance.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
09/13/2025
|
HOI and taxes provided for XXX
|
09/13/2025
|
Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of
XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409018847
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409017293
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409020652
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/16/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX
tolerance violation in the amount of XXX is due to the increase in transfer taxes. The file contain a COC which indicates the increase was due to loan amount but the loan amount increased on the LE dated XX/XX/XXXX but it was not disclosed
until XX/XX/XXXX This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the
comparable amount. Your total tolerance violation is $ lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed
pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
; ; Documentation received, XXX to review.; Document Uploaded. ; ;
|
10/06/2025
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
10/06/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less
than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409020652
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/15/2025
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_XXX_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount
originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required: Refund in the amount of $XXX; The Tolerance violation in the amount of XXX is due to Lender Credit Decrease from XXX to XXX on Final CD. Cure package requires a PCCD, LOE,
Copy of Refund Check, and Proof of Delivery. A valid COC was in file however due to the ICD timing issue it is deemed invalid
|
;
|
09/22/2025
|
Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved
|
09/22/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less
than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409020652
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/15/2025
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_XXX_##(ii))]] The initial closing disclosure
delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days
(counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business
days before consummation. Documentation required to clear exception. Proof of delivery/receipt of Initial CD dated XX/XX/XXXX. Initial CD was not acknowledged by borrower and proof of delivery was missing from file.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
09/22/2025
|
Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved
|
09/22/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less
than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409019537
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/16/2025
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a)(XXX))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file did not
contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX.
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
10/01/2025
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Evidence of appraisal delivery provided.
|
10/01/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on
job.
|
B
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A
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B
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A
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A
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A
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A
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A
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A
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A
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409023582
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/19/2025
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
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Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AUS type is LPA and XXX LCA score is XXX. Missing required third-party valuation.
|
; Document Uploaded. ; In XXX Review. Nothing needed from seller.
|
10/06/2025
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Third party valuation product provided within tolerance.
|
10/06/2025
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is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less
than Guideline DTI of XXX%
|
C
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A
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C
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A
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A
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A
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C
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A
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A
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409023588
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/22/2025
|
Resolved
|
FCRE1173
|
Credit
|
HO6 Master Insurance Policy is Missing
|
Missing HO-6 Master Insurance Policy
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
09/30/2025
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HO-6 Master Insurance Policy is fully present
|
09/30/2025
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is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of
XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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409023604
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/26/2025
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: AUS type is LPA and XXX LCA score not eligible. Missing required third-party valuation.
|
; Document Uploaded. ; In XXX review. Nothing needed from the seller
|
09/29/2025
|
Property/Appraisal Meets Guidelines
|
09/29/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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A
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A
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C
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A
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A
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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409023586
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/25/2025
|
Resolved
|
FCRE1173
|
Credit
|
HO6 Master Insurance Policy is Missing
|
Missing HO-6 Master Insurance Policy
|
; Documentation received, XXX to review.; Please see pages XXX-XXX of the closing package for the master policy.; Only able to find XXX for Title Company. Seller
to provide actual HO-6 master insurance policy. ; ; ; Document Uploaded. ;
|
10/03/2025
|
HO-6 Master Insurance Policy is fully present; ; Lender uploaded XXX for Title Company, not the Master Policy
|
10/03/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on
job.
|
D
|
A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
409023586
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/22/2025
|
Resolved
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements 1003 reflects assets of XXX however verified assets in file are only $XXX.
|
; Document Uploaded. ;
|
10/02/2025
|
Asset Qualification Meets Guideline Requirements; Lender uploaded bank transaction
|
10/03/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on
job.
|
D
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A
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C
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
409023626
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/18/2025
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Loan was delivered with an AUS PIW.. a third party valuation (Drive by appraisal is
required)
|
;
|
09/25/2025
|
Third party valuation product provided within tolerance.
|
10/27/2025
|
Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX%
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
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A
|
A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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B
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A
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B
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A
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B
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A
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B
|
A
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B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409023626
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/18/2025
|
Acknowledged
|
FPRO2924
|
Property
|
Property Inspection Waiver Used at Origination
|
Property Inspection Waiver or Appraisal Waiver used as origination valuation product.
|
;
|
09/25/2025
|
Client Acknowledges EV2/B finding and is allowed PIWs per guideline overlays with supporting AVM which was provided.; Property Inspection Waiver or Appraisal
Waiver used as origination valuation product.
|
09/25/2025
|
Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX%
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
A
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
|
A
|
B
|
A
|
B
|
A
|
|
|
409023632
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||||||||||||
|
409018446
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/18/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX
tolerance violation in the amount of XXX is due to the addition of the 2nd appraisal fee added on the revised LE. The COC in file indicates a change to the loan amount but didnt give a valid reason for needing a 2nd appraisal This loan failed
the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total
tolerance violation is $ lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to LTV of XXX% is in
good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
; ; The bank print the checks so I don't have a copy. The tracking should be sufficient right?; Documentation received, XXX to review.; ; ; Document Uploaded. ;
Document Uploaded. Documentation received, XXX to review.; ; ; ;
|
10/16/2025
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided was missing a copy of the check; will downgrade upon receipt of the
copy of the check; Cure package provided was missing a copy of the check; will downgrade upon receipt of the copy of the check; This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that
exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##XXX## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i).
|
10/16/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
B
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409018446
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/17/2025
|
Waived
|
FCRE1440
|
Credit
|
Housing History Does Not Meet Guideline Requirements
|
Housing History Does Not Meet Guideline Requirements Per XXX Program Eligibility Guide v21, the Borrowers must have a mortgage payment history of XXX in the past
XXX months. However, the Borrowers’ credit report shows a XXX delinquency in XXX/XXX, which falls within the XXX-month period.
|
; ; ; ; ;
|
10/16/2025
|
Waived per client request. Risk accepted for B grade. Client acknowledged the following two XXX compensating factors for this purpose: XXX) is Greater than the
Guideline Minimum and XXX) Qualifying DTI below max allowed.
|
10/16/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
B
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409018446
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/17/2025
|
Resolved
|
FPRO1296
|
Property
|
Was lowest appraised value used to qualify is No
|
Two appraisals in file, however the lowest appraised value was not used to qualify. The loan file contains two appraisals, one valued at XXX as of XXX XXX and
the other valued at XXX as of XXX XXX The Lender inadvertently used the higher appraised value, contrary to the underwriter comments on the addendum to the XXX requiring the lower value to be used for the appraised value. Using the lower
appraised value of XXX results in an LTV of XXX%, which exceeds the AUS approved LTV of XXX%.
|
; ; Documentation received in XXX review.; Document Uploaded. ; ; ; ;
|
10/16/2025
|
Revised DU findings provided, exception resolved. ; Valuation used for LTV meets guidelines.
|
10/16/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
B
|
B
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409018446
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/19/2025
|
Resolved
|
FCRE1188
|
Credit
|
Audited CLTV Exceeds AUS CLTV
|
Audited CLTV of XXX% exceeds AUS CLTV of XXX%
|
; ; ;
|
09/26/2025
|
Audited ##XXX## is less than or equal to AUS ##XXX##
|
09/26/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409018446
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/19/2025
|
Resolved
|
FCRE1189
|
Credit
|
Audited HCLTV Exceeds AUS HCLTV
|
Audited HCLTV of XXX% exceeds AUS HCLTV of XXX%
|
;
|
09/25/2025
|
Audited ##XXX## is less than or equal to AUS ##XXX##
|
09/25/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409018446
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/19/2025
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited ##XXX## exceeds AUS ##XXX##
|
;
|
09/25/2025
|
Audited ##XXX## is less than or equal to AUS ##XXX##
|
09/25/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409021763
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/18/2025
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[##XXX##]] The initial closing disclosure delivery date
is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except
Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX
business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure
receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date
if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Without evidence of
receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX The defect can be cured by showing the consumer received the
disclosure XXX business days prior to consummation.
|
; Documentation received in XXX review.; Document Uploaded. ;
|
09/23/2025
|
Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved
|
09/23/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than
Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.
|
C
|
A
|
C
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A
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A
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A
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A
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A
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A
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409023583
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/19/2025
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX XX/XX/XXXX Score outside required XX/XX/XXXX or lower.
|
; Seller to provide acceptable CDA report
|
10/06/2025
|
Third party valuation product provided within tolerance.
|
10/06/2025
|
Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than
Guideline CLTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
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A
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
409023584
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/18/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $ lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between
the provided disclosures n estimated closing cost disclosed pursuant to ##XXX## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure
Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of XXX is due to addition of Survey Fee from XXX to XXX on the CD
issued XX/XX/XXXX and Transfer Taxes from XXX to XXX on the CD issued XX/XX/XXXX.
|
; ; Document Uploaded. ; Documentation received, XXX to review.; ;
|
10/09/2025
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
10/09/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has
XX/XX/XXXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
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C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409023624
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/18/2025
|
Acknowledged
|
FPRO2924
|
Property
|
Property Inspection Waiver Used at Origination
|
Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Loan originated with a PIW. Per Guidelines, An AVM or Drive-By Appraisal is
required to support the value.
|
; ;
|
09/25/2025
|
Client acknowledges EV2/B finding and is allowing PIWs per guideline overlays with supporting AVM, which was provided.; Property Inspection Waiver or Appraisal
Waiver used as origination valuation product. Allowed per guideline overlays. Post-close AVM with value of XXX received to support value. ; Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Allowed per
guideline overlays. Post-close AVM with value of XXX received to support value.
|
09/25/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XXX% is less than Guideline LTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409023624
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/18/2025
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Waiver given by XXX. Provide AVM or Drive by to meet guideline requirements
|
; ; Document Uploaded. ;
|
09/25/2025
|
Property/Appraisal Meets Guidelines; Post-close AVM with value of XXX received to support value.
|
09/25/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated LTV of
XXX% is less than Guideline LTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409023622
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/17/2025
|
Waived
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a)(XXX))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Cure - Provide
evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date or documentation to show the borrower waived their right to receive the valuation at least XXX days prior to
consummation
|
;
|
09/25/2025
|
Client accepts and acknowledges EV2/B finding.
|
09/25/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated LTV of
XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409023615
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/17/2025
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX SSR Score exceeds XXX issing required desk review
|
; Document Uploaded. ; ; Seller to provide acceptable CDA
|
09/29/2025
|
Third party valuation product provided within tolerance.
|
09/29/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409023614
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409023596
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/26/2025
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: AUS type is LPA and XXX LCA not scored. Missing required third-party valuation.
|
; ; Document Uploaded. ; ; In XXX Review. Nothing needed from the seller.
|
10/03/2025
|
Post-close Desk Review provided with XXX% variance. ; Property/Appraisal Meets Guidelines
|
10/03/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of
XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409023596
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/17/2025
|
Resolved
|
FCRE1157
|
Credit
|
Hazard Insurance Policy is Missing
|
Missing Hazard Insurance Policy Provide Hazard Insurance for subject property
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
09/30/2025
|
Hazard Insurance Policy is fully present
|
10/03/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of
XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409023596
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/17/2025
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing all documentation to support reported expenses for non subject properties at XXX and XXX
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
09/30/2025
|
09/30/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of
XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409023616
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/26/2025
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: AUS type is LPA and XXX LCA not scored. Missing required third-party valuation.
|
; In XXX Review. Nothing needed from the seller at this time.
|
10/03/2025
|
CDA provided within tolerance. ; Property/Appraisal Meets Guidelines
|
10/03/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409023616
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/19/2025
|
Waived
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a)(XXX))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Appraisal provided
on XXX. Consummation date is XXX. Please provide proof of delivery at least XXX business days prior to consummation.
|
; ;
|
10/03/2025
|
Client accepts and acknowledges EV2/B finding.
|
10/03/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
A
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409020608
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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||||||||||||
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409023813
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/26/2025
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Lender utilized an asset depletion calculation that does not meet XXX guidelines. Lender utilized a XXX% XXX year
mortgage amortization calculation
|
; Requested lock update to XXX (pricing is same) and will have loan reviewed to XXX. XXX to advise once re-reviewed. ; ;
|
10/07/2025
|
Income and Employment Meet Guidelines
|
10/27/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is
greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX%
|
D
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A
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C
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409023813
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/25/2025
|
Resolved
|
FCRE1184
|
Credit
|
AUS Not Provided
|
Missing AUS Provide AUS findings
|
; Requested lock update to XXX (pricing is same) and will have loan reviewed to XXX. XXX to advise once re-reviewed. ; ;
|
10/07/2025
|
AUS is not missing
|
10/07/2025
|
Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is
greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX%
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409023813
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/25/2025
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing evidence of property taxes and condo fees for departure home at XXX
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
10/04/2025
|
Documentation provided to confirm PITIA for XXX
|
10/04/2025
|
Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is
greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX%
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409019572
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/25/2025
|
Resolved
|
FCRE0386
|
Credit
|
Borrower 1 Photo Identification not provided
|
Borrower 1 Photo Identification not provided. File is missing acceptable government issued forms of identification or the Patriot Act Form for the Borrower.
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
09/30/2025
|
Photo Identification provided.
|
09/30/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less
than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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409019572
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/25/2025
|
Resolved
|
FCRE0387
|
Credit
|
Borrower 2 Photo Identification not provided
|
Borrower 2 Photo Identification not provided. File is missing acceptable government issued forms of identification or the Patriot Act Form for the Co-Borrower.
|
;
|
09/30/2025
|
Photo Identification provided.
|
09/30/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less
than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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409018560
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||||||||||||
|
409021292
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/30/2025
|
Resolved
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The preliminary title report does not specify the proposed amount of title insurance
coverage, and the loan file does not include the Lender’s supplement report that confirms the title coverage amount.
|
; ; Documentation received, XXX to review.; Document Uploaded. title supplement upld;
|
10/13/2025
|
Supplemental title received. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX
|
10/13/2025
|
D
|
A
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B
|
A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
409021292
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/30/2025
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing verification that taxes and insurance are escrowed, and if there any HOA dues for property located at XXX XXX Please provide the mortgage Statement to
show that taxes and insurance are included in the payment and/or proof of taxes and insurance, as well as verification of any applicable HOA dues or letter stating there are none.
|
; Documentation received, XXX to review.; Document Uploaded. mtg Statement and hoa upld;
|
10/07/2025
|
Mortgage Statement and HOA documentation received.
|
10/07/2025
|
D
|
A
|
D
|
A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
409023664
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
||||||||||||
|
409018748
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/02/2025
|
Resolved
|
FCRE1328
|
Credit
|
Borrower 1 W2/XXX Missing
|
Borrower 1 W2/XXX Missing. Per AUS findings, Borrower 1 income is to be documented using a paystub and W-2 from the prior year, or using a standard VOE. Missing
all income documentation for Borrower 1.
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
10/22/2025
|
W2s received. ; Borrower 1 W2/XXX Provided
|
10/22/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than
Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.
|
D
|
B
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409018748
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/02/2025
|
Resolved
|
FCRE1330
|
Credit
|
Borrower 1 Paystubs Missing
|
Borrower 1 Paystubs Missing Per AUS findings, Borrower 1 income is to be documented using a paystub and W-2 from the prior year, or using a standard VOE. Missing
all income documentation for Borrower 1.
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
10/22/2025
|
Paystub received. ; Borrower 1 Paystubs Provided
|
10/22/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than
Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.
|
D
|
B
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409018748
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/01/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $ lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between
the provided disclosures n estimated closing cost disclosed pursuant to ##XXX## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure
Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal fee and
from XXX to XXX for the transfer tax. Appraisal fee increased on LE issued XX/XX/XXXX without a valid COC. Transfer tax increased on CD issued on XX/XX/XXXX without a valid COC. The COCs in file do not indicate the reason the fees were
increased, receipt a invoice is not a valid reason
|
; Document Uploaded. ; Document Uploaded. Documentation received, XXX to review.; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; Document
Uploaded. ; Documentation received, XXX to review.;
|
10/22/2025
|
Cure package provided to the borrower; exception downgraded to a 2/B; Will downgrade upon receipt of the copy of the check and proof of delivery; This loan
failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total
tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##XXX## is in
good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Will downgrade upon receipt of the copy of the check and proof of delivery; Provide clarification on reason
for increase or addition of fee. The did not indicate the reason the fees increased or were added. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid
COC. The XXX tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal fee and from XXX to XXX for the transfer tax. Appraisal fee increased on LE issued XX/XX/XXXX without a valid COC. Transfer tax
increased on CD issued on XX/XX/XXXX without a valid COC.
|
10/22/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than
Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
A
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409024249
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/06/2025
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Borrower have a total of XXX REO properties. Missing proof of tax expense for XXX and mortgage expense for XXX XXX
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
10/13/2025
|
Documentation for properties provided.
|
10/13/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XXX% is less than Guideline LTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409024249
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/06/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to ##XXX## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure
Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of XXX is due to increase in the appraisal fee from XXX to XXX
|
; Document Uploaded. ; Documentation received, XXX to review.; ; Condition updated - need copy of refund check ; Document Uploaded. LOX/PCCD/Shipping label
refund check XXX pending ; Documentation received, XXX to review.;
|
10/13/2025
|
Cure package provided to the borrower; exception resolved; Cure package provided was missing a copy of the refund check; Will downgrade upon receipt of the copy
of the check
|
10/13/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of
XXX
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
A
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
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C
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D
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D
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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409024249
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
10/06/2025
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Resolved
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FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Cure provide evidence consumer consented to signing and receiving documents electronically.
|
; ; Documentation received, XXX to review.; Document Uploaded. ;
|
10/13/2025
|
Evidence of eConsent is provided.
|
10/13/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of
XXX
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D
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B
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B
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A
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D
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A
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A
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A
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A
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B
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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409024670
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||||||||||||
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409021731
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/07/2025
|
Cured
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finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to ##XXX## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure
Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of XXX is due to addition of a Appraisal Review Fee of XXX and
Attorney Fee of $XXX. The COCs in file do not give a valid reason for the addition
|
; Document Uploaded. ; cure package missing copy of check ; Document Uploaded. ; Documentation received, XXX to review.; ;
|
10/20/2025
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package missing copy of the check; will downgrade upon receipt
|
10/20/2025
|
Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of
XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
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B
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C
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B
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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409024546
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/13/2025
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Provide evidence of of taxes, insurance, evidence Free and clear, and/or HOA fees for the borrower's second home at XXX XXX totaling XXX disclosed on the final
application.
|
; Documentation received, XXX to review.; Document Uploaded. ; ;
|
10/22/2025
|
10/22/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
409021248
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||||||||||||
|
409024542
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/14/2025
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent
dated XX/XX/XXXX or before.
|
; Documentation received, XXX to review.; Document Uploaded. ; ;
|
10/16/2025
|
Evidence of eConsent is provided.
|
10/16/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on
job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX%
|
B
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A
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B
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A
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A
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A
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A
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A
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B
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A
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409024418
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/17/2025
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Per Final 1003, the borrowers own XXX additional investment properties. The file is missing all verification of the PITIA for XXX XXX, and XXX XX/XX/XXXX
|
; Documentation received, XXX to review.; Document Uploaded. ;
|
10/22/2025
|
10/22/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
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A
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B
|
A
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D
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D
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A
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B
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D
|
D
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A
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B
|
D
|
D
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A
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B
|
D
|
D
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A
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B
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
409024418
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/17/2025
|
Resolved
|
FCOM1852
|
Compliance
|
Incorrect rescission model used - RTC form model H-XXX used for refinance not with Original Lender or Lender Affiliate
|
Incorrect rescission model used - RTC form model H9 (Same Creditor) used for refinance not with Original Lender or Lender Affiliate Title shows the previous
lender was not the same lender as the note; Cure requires: copy of CD, correct copy of the RTC with new XXX day rescission period, LOE and proof of delivery
|
; ; Documentation received, XXX to review.; Document Uploaded. ; ;
|
10/22/2025
|
Correct RTC form has been provided
|
10/22/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
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B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409024418
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/17/2025
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The blend document provided in file shows electronic consent pending
|
; ; ; Documentation received, XXX to review.; Document Uploaded. ;
|
10/22/2025
|
Evidence of eConsent is provided.
|
10/22/2025
|
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409024202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|