|
Client Name:
|
||||||
|
Client Project Name:
|
SEMT 2025-12
|
|||||
|
Start - End Dates:
|
6/29/2025 - 10/23/2025
|
|||||
|
Deal Loan Count:
|
226
|
|||||
|
Conditions Report 2.0
|
||||||
|
Loans in Report:
|
226
|
|||||
|
Loans with Conditions:
|
160
|
|||||
|
0 - Total Active Conditions
|
||||||
|
283 - Total Satisfied Conditions
|
||||||
|
69 - Credit Review Scope
|
||||||
|
1 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
6 - Category: Assets
|
||||||
|
8 - Category: Credit/Mtg History
|
||||||
|
7 - Category: DTI
|
||||||
|
24 - Category: Income/Employment
|
||||||
|
4 - Category: Insurance
|
||||||
|
4 - Category: Legal Documents
|
||||||
|
13 - Category: Terms/Guidelines
|
||||||
|
2 - Category: Title
|
||||||
|
17 - Property Valuations Review Scope
|
||||||
|
14 - Category: Appraisal
|
||||||
|
1 - Category: FEMA
|
||||||
|
1 - Category: Property
|
||||||
|
1 - Category: Value
|
||||||
|
197 - Compliance Review Scope
|
||||||
|
7 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
9 - Category: Compliance Manual
|
||||||
|
12 - Category: Documentation
|
||||||
|
4 - Category: Finance Charge Tolerance
|
||||||
|
9 - Category: RESPA
|
||||||
|
4 - Category: Right of Rescission
|
||||||
|
3 - Category: Texas Home Equity
|
||||||
|
149 - Category: TILA/RESPA Integrated Disclosure
|
||||||
|
48 - Total Waived Conditions
|
||||||
|
32 - Credit Review Scope
|
||||||
|
2 - Category: Application
|
||||||
|
6 - Category: Assets
|
||||||
|
5 - Category: Credit/Mtg History
|
||||||
|
1 - Category: DTI
|
||||||
|
11 - Category: Income/Employment
|
||||||
|
4 - Category: Insurance
|
||||||
|
3 - Category: Terms/Guidelines
|
||||||
|
2 - Property Valuations Review Scope
|
||||||
|
2 - Category: Appraisal
|
||||||
|
14 - Compliance Review Scope
|
||||||
|
1 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
1 - Category: RESPA
|
||||||
|
12 - Category: Right of Rescission
|
||||||
|
©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which
it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
|
||||||
|
Client Name:
|
|||
|
Client Project Name:
|
SEMT 2025-12
|
||
|
Start - End Dates:
|
6/29/2025 - 10/23/2025
|
||
|
Deal Loan Count:
|
226
|
||
|
Conditions Report 2.0
|
|||
|
Loans in Report:
|
226
|
||
|
Loans with Conditions:
|
160
|
||
|
Loan Number
|
Original Principal Balance
|
State
|
Initial Lender ATR/QM Status
|
Loan Level ATR/QM Status
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial S&P Condition Grade
|
Final S&P Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
Compensating Factors
|
|
409012270
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Missing Closing Disclosure signed at consummation
|
10/10/25 Client provided a signed LOE from Lender stating this was a Hybrid closing. The final CD was sent and signed electronically on 9/23. Audit Report attached.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX% below guideline requirement XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: LTV XXX% below guideline requirements XXX%.
|
|
409013133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Missing List of homeowners counseling organizations
|
08/26/25 Client provided the HC List.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 receives additional Sch C income of $XXX monthly that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX exceeds program requirements
|
|
409013133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
CD dated XXX is e-signed by borrowers but a prior e-consent is missing in file.
|
08/26/25 Client provided the missing E-Consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 receives additional Sch C income of $XXX monthly that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX exceeds program requirements
|
|
409013133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
Initial LE XXX was sent to borrowers via email without a prior e-consent is missing in file.
|
08/26/25 Client provided the missing E-Consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 receives additional Sch C income of $XXX monthly that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX exceeds program requirements
|
|
409013133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC889
|
Income is Not Reasonable
|
No
|
Condition added upon review of DU AUS Findings B1 is XXX% owner and reflect same on Final 1003 however Capital is XXX% 2024 income under extension and Lender using average of
2024/2023 k1 for monthly of $XXX however 2024 under extension and 2023 k1 income average is $XXXProvide lender updated 1003/1008 and DU with income of $XXX for B1
|
9.25.2025 Client provided updated 1003/1008 and previously provided the DU #XXX with lower income, now agree with lower income that is being used from Year 2023 however, need to
clarify, it appears (per lender 1003/1008) B1 (XXXX) income is the higher income however she has XXX% ownership and Isaiah income on 1003 is the lower income, should be the reverse. Lender to clarify or correct 1003/1008 figures. Note: k1
have XXXX XXX% and XXXX XXX% however 1003/1008 reflect higher income with XXX vs XXX. 9.25.2025 Client provided lender updated 1003/1008 with showing borrowers with correct monthly income
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 receives additional Sch C income of $XXX monthly that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX exceeds program requirements
|
|
409013133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Condition added upon review of DU AUS Findings 2024 1040's were not provided, LOX in file from Borrowers stating under extension due to disaster declaration with TN (pg 373)B2 is
XXX% and B1 is XXX% (same business) Regarding B2 income, Lender is using an average of 2024/2023 k1's for monthly $XXX however Year 2024 is under extension and use of 2024 income cannot be considered due to being under extension and using
average of 2023 k1 is $XXX vs two year average of $XXX; (a) Provide lender updated 1003/1008 and DU reflecting B2 income as $XXX vs $XXX(b) 2023 1065 business returns and 2023 1040's don't appears to be signed dated, provide signature and
date for 2023 Note: File do have 2024/2023 1065 business returns but not 2024 1040's and 2023 1040 personal returns with LOX stating 2024 under extension
|
9.25.2025 Client provided lender updated 1003/1008 with showing correct borrower with correct monthly income. Condition remains: 2023 1065 business returns and 2023 1040's don't
appear to be signed dated, provide signature and date for 2023 Note: File do have 2024/2023 1065 business returns but not 2024 1040's and 2023 1040 personal returns with LOX stating 2024 under extension
|
Upon further review by Senior UW, exception is deemed non material due to additional income not used in qualifying and reserves of $XXX.
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 receives additional Sch C income of $XXX monthly that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX exceeds program requirements
|
|
409013133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC3258
|
Missing Profit and Loss statement for one or more Self Employed borrowers
|
No
|
Condition added upon receipt and review of DU AUS Findings B1 XXX% and B2 XXX% (same business) 2024 is under extension with file having Year 2023 1040 returns and file having
2024/2023 1065 business returns(a) missing YTD 2025 P/L B2 (85% owner) and(b) missing YTD 2025 income for B1 (XXX% owner as reflected on k1 and per Final 1003 less than XXX% ownership) Note: even though file have 2024/2023 1065 business
returns that appear to reflect no declining, however Year 2024 under extension and copy of 2024 1040 was not provided.
|
10/02/2025 client provided an approved exception for missing P&L
|
Upon further review by Senior UW, exception is deemed non material due to additional income not used in qualifying and reserves of $XXX.
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 receives additional Sch C income of $XXX monthly that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX exceeds program requirements
|
|
409013133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
Credit
|
Insurance
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINSR5353
|
Insurance Expiration date is prior than the transaction date
|
No
|
Expiration date on policy provided is XXX, CD shows closing date of XXX.
|
8.27.2025 Client provided HOI policy effective XXX - XXX
|
Condition satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 receives additional Sch C income of $XXX monthly that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX exceeds program requirements
|
|
409013133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2996
|
Missing Trust Documents
|
No
|
Missing Trust Documents
|
8.27.2025 Client provided executed copy of Certification of Trust and Trust Agreement
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 receives additional Sch C income of $XXX monthly that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX exceeds program requirements
|
|
409013133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide missing DU findings. Subject to full review, and may be subject to additional conditions.
|
8.27.2025 Client provided DU AUS submission #6 dated XXX and upon review of DU AUS it appears additional documentation is needed regarding income and possibly some updated DU
changes maybe required. B1 and B2 both work for same XXX with Year 2024 being under extension, 2024 1040's were not provided and LOX in file from borrowers stating 2024 under extension however lender is using average of 2024/2023 k1's for
monthly income for both borrowers. Condition remains, income to be used for both borrowers would be Year 2023, due to 2024 being under extension. 9.24.2025 Client provided an updated DU submission #7 with changes to income for an updated DTI
of XXX% previously DTI was XXX%; however to validate this DU #7 will need (a). updated 1003/1008 supporting the changes this updated DU now have and (b). Lender updated income calculation that supports the updated lower income that is now
being used for BOTH borrowers. Upon receipt and review of documents, income and DTI is still under review 9.25.2025 Client provided Lender updated 1003/1008 (with considering average of Year 2023 income for both borrowers along with the
income worksheet calculation), and previously provided DU submission #7 for review, however it appears with review of this updated 1003; (a) Lender is now using monthly payment of $XXX for XXX debt, Final 1003 (in file) was using $XXX and
going through file did not locate the XXX verification of what the actual monthly debt is $XXX (per Final 1003 in file) or $XXX (per updated 1003) and (b). there is another debt listed on B2 1003 with FLCC financing for $XXX which is a new
debt per LOX inquiry by B2, however did not locate documentation in file to support this payment of $XXX and (c). Lender to clarify, it appears Amanda (B1) have the XXX% ownership and B2 having the 85% ownership however 1003/1008 reflect the
opposite (showing XXX with the higher income and XXX with the lower income) and (d). with review of DU #7, our all other monthly payment is $XXX (including $XXX + $XXX for XXX debt and XXX), lender all other monthly debt is $XXX (payments we
are using: $XXX, $XXX, XXX, $XXX, $XXX, $XXX, $XXX, $XXX, $XXX, $XXX, $XXX, $XXX, $XXX= $XXX which should be all other monthly payments in DU vs $XXX), provide updated DU to reflect all other payment of $XXX vs $XXX (appears lender have same
debts on 1003 but DU all other don't match of $XXX) and (e). provide documentation that supports $1,300 XXX debt and $XXX XXX (new debt).Condition remains for a - e documentation and/or clarification. 9.25.2025 Client provided lender updated
1003/1008 with showing correct borrower with correct monthly income. Condition remains for additional requested items: a, b,d,e in prior update, (c: the updated 1003/1008 with income for each corrected borrower, was received). 10.1.2025
Client provided updated 1003/1008 and provided evidence of monthly IRS debt of $XXX and evidence (supplement) of monthly payment new debt $XXX along with updated DU #8 with all applicable corrections for updated DTI of XXX% (appears to have
added some rental income to one of the properties: XXX) and provided rental income calculation used from year 2023 1040 tax returns due to 2024 under extension. Note: XXX history reflect no name however XXX bank statement in file supports
monthly payment of $XXX(pg 173)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 receives additional Sch C income of $XXX monthly that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX exceeds program requirements
|
|
409013133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Final CD reflects $XXX to XXX for Appraisal Desk Review - please provide missing CDA
|
9.24.2025 Client provided copy of 3rd party CDA that reflect Indeterminate value, file having two full appraisals
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 receives additional Sch C income of $XXX monthly that was not used in qualifying.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX exceeds program requirements
|
|
409014194
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Flood Certification Document in file however not legible (pg 408)Provide legible copy of Flood Certification
|
(No Data)
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score XXX exceeds guidelines
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX% below guidelines requirement
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified cash reserves exceed guidelines
|
|
409014194
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Vesting Title and Mortgage do not agree Title in Borrower and Spouse name Mortgage Borrower name only Missing executed warranty deed if Mortgage vesting is correct
|
8.26.2025 Client provided appears to have provided duplicate Title, Mortgage and Warranty Deed that is in file however Title and Mortgage vesting do not match. Title and warranty
deed both reflect Borrower and Spouse however Mortgage reflecting only Borrower. 9.11.2025 Client provided duplicate Warranty Deed however vesting is not same on Mortgage Deed of Trust, condition remains: Vesting need to agree/match, Title
and warranty deed reflect Borrower and Spouse however Mortgage only reflect Borrower = do not agree/match. 10/10 Client provided corrected fully executed DOT with Borrower and spouses name matching title
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score XXX exceeds guidelines
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX% below guidelines requirement
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified cash reserves exceed guidelines
|
|
409014895
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to added Appraisal Desk Review fee on LE XXX with no valid reasons documented on COC XXX. Loan was locked with the investor on XXX ( per
investor's guideline, CDA is required ), fee was not disclosed timely. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
10/08/25 Client provided a XXX PCCD with cure, LOE, refund check and proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX% below guideline requirement XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: LTV XXX% below guideline requirements XXX%.
|
|
409014895
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation by 3rd party.*LCA Risk could not be assessed for this submission
|
9.30.2025 Client provided 3rd party CDA valuation supporting appraised value supporting appraised value
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX% below guideline requirement XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: LTV XXX% below guideline requirements XXX%.
|
|
409015113
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
Provide documentation that B1 has full access to XXX XXX.
|
8.7.2025 Client provided copy of mom death certificate in which was the other party on the XXX statement, now borrower having full access.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years
|
|
409015452
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower at current employment XXX years
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|||||||||||||||
|
409017012
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC191
|
Missing Mortgage
|
No
|
Missing Mortgage
|
10/09/25 Client provided the recorded Mortgage.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X xxx = $XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409017012
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC5551
|
Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests
|
No
|
Missing sufficient documentation: LE, CD and COC
|
10/10/25 Client provided the missing LEs, COC/Tracking and CDs.
|
Condition Satisfied.
|
Hybrid
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X xxx = $XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409017012
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
10/10/25 Client provided a signed attestation from Lender stating there was no affiliated business arrangement between themselves and any settlement service providers on this
loan.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X xxx = $XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409017012
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
10/10/25 Client provided the missing CDs and Seller CD. Final CD is missing some of the Seller paid closing costs, per the Seller CD.
|
(No Data)
|
Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X xxx = $XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409017012
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
10/10/25 Client provided the missing LEs and CDs. Zero Tolerance testing failed by $XXX due to the increased Points on the Initial XXX CD without a COC or Lock provided. Provide
the missing COC/Lock for review, OR provide borrowers with a $XXX refund, PCCD with cure, LOE and proof of delivery that includes tracking information.
|
10/15/25 Client provided an Email rebuttal from the Seller stating: In looking at the attached condition list and you are asking for a COC for the increased points on the XXX CD
but the points went down, hence no COC would be needed. The initial LE has points amount of $XXX, redisclosed XXX shows $XXX, redisclosed XXX shows $XXX, final CD has $XXX. To clarify. You are requesting a COC because the points increased
XXX to the final CD, however we established the base line at/of $XXX. With that the prelim and final CD of $XXX is not out of tolerance. There won't be a COC for that. We would not have to cure the difference because we charged lower than
what was quoted in good faith. Condition remains. The initial Lock took place per the XXX COC on the XXX Revised LE. Another Lock took place, per the XXX Lock Agreement in file, for the XXX Revised LE. This is where our baseline is determined
(Points of $XXX). The Points then increased on the Initial XXX CD without a Lock or COC for validation.10/17/25 Client provided an Email response from the Seller along with screenshots reflecting the updated Lock event on XXX validating the
XXX Points increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X xxx = $XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409017012
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3494
|
TRID - Loan Estimate Missing
|
No
|
Missing Loan Estimates
|
10/10/25 Client provided the missing LEs and COC/Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X xxx = $XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409017012
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3496
|
TRID - Closing Disclosure Missing
|
No
|
Missing Closing Disclosures
|
10/10/25 Client provided the missing CDs.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X xxx = $XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409017012
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing Personal & Business Tax returns to calculate XXX income per 1003 for both borrowers
|
10.13.2025 Client provided Transcripts 2023/2022 and 2024 no record along with end of year 2024 P/L (XXX) and YTD XXX P/L (XXX) however initial condition is regarding missing
personal and business tax returns for both borrowers, condition remains for both borrowers personal and business tax returns for income calculation 10/20 Client provided Business and personal taxes
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X xxx = $XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409017039
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years and XXX months at current residence.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower2 has XXX years and XXX months at current employer
|
|
409017039
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to added VOE on LE XXX wit no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to
borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/15/25 Client provided the XXX Invoice, COC and VOE with Income Verification.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years and XXX months at current residence.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower2 has XXX years and XXX months at current employer
|
|
409017039
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
B1 income is now being added for qualifying VVOE provided not dated within XXX business days of Note
|
9.18.2025 Client provided post close VVOE on XXX (XXX day ago) however missing prior to closing VVOE. 9.23.2025 Client provided XXX guidelines however file was reviewed to XXX XXX
YR not AUS and prior to closing VVOE is required within XXX(XXX)) business days prior to the Note date. Condition remains (1). provide a prior to closing VVOE (none in file) only a post close VVOE was provided after closing or (2) prior to
closing paystub that is dated within XXX business days of Note can be used in lieu of VVOE or (3). bank statement dated no earlier than XXX business days prior to the note supporting monthly deposit. Condition remains 9/23 Client provided an
approved exception to allow the file with the post close dated VVOE
|
xxx final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years and XXX months at current residence.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower2 has XXX years and XXX months at current employer
|
|
409017039
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Missing lender updated DTI adding primary housing of $XXX in their DTI, for final DTI calculation
|
9.17.2025 Client provided an updated 1008 with DTI of XXX%; appears to have adjusted income and added Primary housing in DTI now however unable to determine with just a 1008 the
difference of what the updated income is coming from. Condition remains for (a). Lender to provide updated 1003 to support the updated 1008 income (b). along with any income calculations, if applicable and documentation, unless the
documentation is already in file.Note: initial condition only requested 1008 due to we were using the same income however with updated 1008 income have increased. Upon receipt and review, our DTI to also include the monthly $XXX XXX debt,
currently not in our monthly debts. 9.18.2025 Client provided Lender updated 1003 adding B1 employment income and provided VVOE and file have 2024 w2 and provided evidence (statements)XXX new debt of $XXX was paid off prior to closing,
removed from DTI; updated DTI XXX% with adding B1 income Note: 2024/2023 1040 tax returns in file and reflect w2 breakdown (pg 933, 985) for both borrowers
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years and XXX months at current residence.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower2 has XXX years and XXX months at current employer
|
|
409017214
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR signed on XXX with end of rescission date XXX. Final CD XXX with disbursement date of XXX. Disbursement date is before end of statutory rescission period. Condition is pending
receiving final ALTA statement with later disbursement date and corrected PCD with LOE and proof of delivery to borrower.
|
10/17/25 Client provided an LOE and revised XXX PCCD reflecting a later Disbursement Date of XXX. Condition remains. Provide the signed/stamped Final ALTA/Settlement
Statement.10/21/25 Client provided the stamped Final Settlement Statement confirming Disbursement on XXX (Interest began XXX).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been self employed XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has been at current residence (subject) for XXX years.
|
|
409017214
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to added Appraisal Desk Review fee on CD XXX with no valid reasons documented on COC XXX Condition is pending receiving a valid Change of
Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/17/25 Client provided a XXX PCCD with cure, LOE, $XXX refund check and a shipping label. Tracking shows only the label has been created. Condition remains for the proof of
shipment.10/21/25 Client provided the proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been self employed XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has been at current residence (subject) for XXX years.
|
|
409017214
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
|
No
|
XXX percent tolerance in amount of $XXX due to increase in Recording fee from $XXX to $XXX on CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving
a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/17/25 Client provided a XXX PCCD with cure, LOE, $XXX refund check and a shipping label. Tracking shows only the label has been created. Condition remains for the proof of
shipment.10/21/25 Client provided the proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been self employed XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has been at current residence (subject) for XXX years.
|
|
409017450
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX as Tract Search Fee was added to LE XXX without a valid COC in file. . Condition pending receiving a valid Change of Circumstance, PCD
reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
09/17/2025 Client provided, with other Disclosures, the COC XXX reflecting a Tract Search fee added per UW Requirements. Condition remains. Provide additional information of
what occurred resulting in the fee being added or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 10/06/25 Client provided a XXX PCCD with cure, LOE/Email, $XXX refund check and shipping label.
Tracking shows only the label has been created. Condition remains for the proof of shipment.10/10/25 Client provided a new tracking number with proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 has bonus income not being used to qualify.
|
|
409017736
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves $XXX or XXX PITI reserves exceed guidelines
|
|
409017743
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX.
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years at current residence.
|
|||||||||||||||
|
409017778
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI of XXX is lower than guideline max DTI of XXX
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds minimum required credit score of XXX.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been XXX for XXX years.
|
|
409017778
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Per guidelines, provide most recent XXX years IRS 1040 transcripts.May be subject to additional conditions upon review.
|
9/17 Client provided complete signed 2023/2024 1040s ; condition remains for corresponding transcripts 2023/20249/26 Client provided an approved exception to allow the file
without the transcripts
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI of XXX is lower than guideline max DTI of XXX
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds minimum required credit score of XXX.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been XXX for XXX years.
|
|
409017778
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date is XXX, disbursement date showing on the final CD is XXXObtain new insurance policy document, may be subject to additional conditions upon review.
|
9/26 Client provided exception approval for Insurance Effective date is greater than the transaction date
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
Not Applicable
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI of XXX is lower than guideline max DTI of XXX
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds minimum required credit score of XXX.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been XXX for XXX years.
|
|
409017949
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Initial application was issued XXX. The earliest LE in file is dated XXX, missing initial LE disclosed to borrower within XXX days of application
|
09/23/25 Client provided an LOE from the Lender stating the initial application date is actually XXX, not XXX. The LO signature date of XXX was caused by a system error. The true
signature date was XXX along with the borrowers. Condition remains. Provide further explanation for discrepancy, as the file contains a Loan Status Update document showing Application was Registered on XXX and the XXX shows an Application
Date of XXX. Subject to re-review.09/25/2025 Client provided an LOE reflecting that they did not have all 6 items needed for a TRID application on XXX. All information was not all received until XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITI in reserves.
|
|
409017949
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are
selected
|
No
|
Final CD XXX, section Loan Disclosures Non-Escrow account - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending receiving corrected
PCD with LOE to borrower.
|
09/23/25 Client provided an LOE and corrected XXX PCCD.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITI in reserves.
|
|
409017949
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
LE XXX was emailed to borrowers but only one prior e-consent for borrower is found in file. Missing e-consent for a co-borrower.
|
09/23/25 Client provided the missing E-Consent for the Co-Borrower.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITI in reserves.
|
|
409018429
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.
|
(No Data)
|
Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITIA after closing.
|
|
409018459
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing evidence in file for T.42 Title Endorsement. T-64 form issued on XXX only indicates, in Endorsement breakdown field, T - 42.1 Endorsement.
|
09/05/25 Client provided an email from the Title Co. stating the T.42 endorsement will be included in the Final Title. Condition remains. Provide a copy of the Final Title
confirming the T.42 endorsement.09/24/25 Client provided a Title amendment that states Schedule A Item 6 Endorsement page would be amended to add X marked on T-42. Condition remains. The amendment also says T-42 is not added. Unclear why the
X would be added, yet the verbiage says "not added". Provide a copy of the Schedule A Item 6 Endorsement page for further review. Additional conditions may apply.09/29/25 Client provided a new Title Endorsement amendment reflecting the T-42
would be added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with current employer since XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409018459
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTXHE117
|
TX Equity - Missing Affidavit of Fair Market Value
|
No
|
The file does not contain a copy of fully executed XXX Equity Fair Market Value disclosure.
|
09/08/25 Client provided the FMV Affidavit.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with current employer since XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409018459
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
The Initial CD XXX and the Final CD XXX were both E-Signed by non-borrowing spouse but a prior e-consent is missing in file.
|
09/05/25 Client provided the Blend Compliance Report reflecting both E-Consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with current employer since XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409018459
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3036
|
Assets reflect unsourced deposits
|
No
|
Subject transaction is a Delayed Purchase Refinance for the subject property that was purchased on XXX with the borrower's own funds. Total cash required to close (including the
EMDs) was $XXX. Pledged asset line funds of $XXX plus proceeds from the sale of prior residence of $XXX totaling $XXX were used to close leaving $XXX additional required funds unsourced. File is missing the following:1) Verification the
wires out for the pledged asset line funds and the proceeds from sale funds were sent to the closing agent for the purchase of the property.2) Verification of the source of funds for the additional $XXX needed to close the purchase of the
property. If the XXX account *XXXwas used for these funds, then documentation verifying the withdrawal and transfer to the closing agent will be required.
|
9.17.2025 Client provided evidence of wire from XXX of $XXX and wire of sale proceeds $XXX to closing and provided evidence of $XXX ($XXX and $XXX) from XXX#XXX and provided the
bank statement, in addition appears subject CD is only paying back pledge assets w/XXX in the amount of $XXX(on subject CD) no funds directly cash in hand to borrower
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with current employer since XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409018461
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC5551
|
Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests
|
No
|
The only CD in file is missing Page 1. Unable to test. Provide complete copies of all Loan Estimates and Closing Disclosures.
|
09/29/25 Client provided the missing CDs. Tracking confirms only 1 LE was provided and that was included in the original file.
|
Condition Satisfied.
|
Hybrid
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409018461
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC5553
|
Missing sufficient documentation to determine High Cost Fees and APR Limits
|
No
|
The only CD in file is missing Page 1. Unable to test. Provide complete copies of all Loan Estimates and Closing Disclosures.
|
09/29/25 Client provided the missing CDs. Tracking confirms only 1 LE was provided and that was included in the original file.
|
Condition Satisfied.
|
Hybrid
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409018461
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3496
|
TRID - Closing Disclosure Missing
|
No
|
The only CD in file is missing Page 1. Provide complete copies of all Loan Estimates and Closing Disclosures.
|
09/29/25 Client provided the missing CDs. Tracking confirms only 1 LE was provided and that was included in the original file.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409018461
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
LE XXX was e-signed without a prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent.
|
09/29/25 Client provided the 7/29 E-Consent.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409018461
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing XXX-month verification of rent. Only XXX months' rent checks provided.
|
9.30.2025 Client provided evidence of XXX - XXX (XXX months VOR history) however missing either: XXX or XXX to cover XXX months history. Note: 6 months in file are from XXX - XXX
(part of same that was provided) 10.2.2025 Client provided evidence of XXX monthly rental payment of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409018461
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL988
|
Loan File is Missing or Contains Insufficient Documentation for Basic Review
|
No
|
Preliminary Title Report reflect property vested in XXX; however, purchase agreement reflect seller as XXX and XXX. Borrower's name is missing from Preliminary Title Report as
proposed insured.
|
9.30.2025 Client provided Title supplemental report with Borrowers name however Prelim Title in file reflect vesting in name of:XXX and Purchase agreement reflect seller names as:
XXX and XXX. Clarification is needed regarding vesting in name of XXX and purchase agreement reflect seller names as: XXX, XXX and XXX(as requested in initial condition)10.2.2025 Client provided updated Title Commitment with current seller
names in all applicable areas as being the current owners to sell subject property as of XXX as of XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409018461
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Missing completed CD dated XXX The only signed CD on file is missing page one. Subject to asset / reserves recalc and may be subject to additional conditions upon review.
|
9.30.2025 Client provided executed Final CD for subject
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409018525
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC5551
|
Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests
|
No
|
Missing all Closing Disclosures.
|
09/29/2025 Client provided missing Closing Disclosures XXX & Final XXX.
|
Condition Satisfied.
|
Hybrid
|
Not Applicable
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrowers have been in business for XXX years.
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX% below guideline requirement XXX%.
|
|
409018525
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC5553
|
Missing sufficient documentation to determine High Cost Fees and APR Limits
|
No
|
Missing all Closing Disclosures.
|
09/29/2025 Client provided missing Closing Disclosures XXX & Final XXX.
|
Condition Satisfied.
|
Hybrid
|
Not Applicable
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrowers have been in business for XXX years.
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX% below guideline requirement XXX%.
|
|
409018525
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3496
|
TRID - Closing Disclosure Missing
|
No
|
Missing all Closing Disclosures and, if applicable, all COCs.
|
09/29/2025 Client provided missing Closing Disclosures XXX & Final XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrowers have been in business for XXX years.
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX% below guideline requirement XXX%.
|
|
409018525
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Verbal verification of employment missing.
|
9.29.2025 Client provided SOS dated XXX and another SOS however undated. Note date XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrowers have been in business for XXX years.
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX% below guideline requirement XXX%.
|
|
409018525
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS or AUS errors present
|
9.29.2025 Client provided some loan documents however nothing was pertaining to this condition. Condition remains 10/1 Client provided a lock changing the loan to XXX 30 y, AUS
not required
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrowers have been in business for XXX years.
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX% below guideline requirement XXX%.
|
|
409018531
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|
409018531
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Lender to explain what Other income per VOE yearly income XXX/XXX = $XXX and bonus income XXX months average is XXX, additional conditions may apply
|
9/18 Client provided an Email with paystub definitions; When comparing to WVOE; income is supported as talent fees / commissions
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|
409018533
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
09/22/25 Client provided the missing Initial XXX CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrowers have XXX months of 0x30 on current mortgage
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves$XXX or XXX months PITI. $XXX required$XXX x XXX = $XXX$XXXx XXX = $XXX
|
|
409018533
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing.
|
09/22/25 Client provided the missing Initial XXX CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrowers have XXX months of 0x30 on current mortgage
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves$XXX or XXX months PITI. $XXX required$XXX x XXX = $XXX$XXXx XXX = $XXX
|
|
409018533
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
LEs e-signed by both borrowers; however, there is no prior e-sign consent in file. Provide e-Consent for all borrowers.
|
09/22/25 Client provided the E-Consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrowers have XXX months of 0x30 on current mortgage
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves$XXX or XXX months PITI. $XXX required$XXX x XXX = $XXX$XXXx XXX = $XXX
|
|
409018573
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3952
|
TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established
|
No
|
CD: XXX [Last CD], Section: Loan Disclosures, Field: Has Escrow Account?, Value is No and Section: Projected Payments, Field: Homeowners Insurance in escrow?, Value is
SomeCondition is pending LOX with corrected PCD to borrower.
|
10/03/2025 Client provided PCCD XXX with correction, LOE and shipping label.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- xxx Comments: At job since XXX
|
|
409018573
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3961
|
TRID - CD: The amount of the periodic escrow payment in the Projected Payments section does not equal the periodic escrow payment disclosed in the Loan Disclosures section
|
No
|
CD: XXX[Last CD], Section: Projected Payments, Message: The Estimated Monthly Escrow Payment for Band 1 is $XXX and Section: Loan Disclosures, Field: Monthly Escrow Payment, Value
is Null. Condition is pending LOX with corrected PCD to borrower
|
10/03/2025 Client provided PCCD XXX with correction, LOE and shipping label.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- xxx Comments: At job since XXX
|
|
409018573
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5511
|
TRID - CD: Monthly Non-Escrowed Amount in Projected Payments is inconsistent with annual cost in the Loan Disclosures section (SFIG 3.0)
|
No
|
CD:XXX [Last CD], Section: Projected Payments, Field: Estimated Taxes, Insurance & Assessments, Value: $XXX, Estimated Escrow 1, Value: $XXX. Condition is pending LOX with
corrected PCD to borrower
|
10/03/2025 Client provided PCCD XXX with correction, LOE and shipping label.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- xxx Comments: At job since XXX
|
|
409018573
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Provide documentation of XXX payments for both open mortgages on CBR.May be subject to additional conditions upon review.
|
9.29.2025 Client provided Lender LOX stating, loan is AUS and so we followed the FHLMC findings. As long as its within XXX days of the credit report date and you get an Accept,
then you don't need anything further. Response, credit report reflect last payment of XXX and borrower have sufficient assets to cover August XXX monthly payment of both mortgages ($XXX+ $XXX) and application date XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- xxx Comments: At job since XXX
|
|
409018581
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Required Reserves: $XXX. Verified $XXX Subject: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXX
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrower has XXX months of 0x30 on current mortgage
|
|
409018588
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD XXX was issued to non-borrowing spouse, CD was only e-signed by the borrower, no evidence in file (mailing rule was applied) that NBS received initial CD min 3 days
prior to closing date.
|
08/29/25 Client provided the NBS hand-signed copy of the XXX Initial CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score XXX exceeds guidelines
CFCFS2854: Significant time in profession
- xxx Comments: Significant time in profession, XXX years
|
|
409018588
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Assets
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Assets used for reserves is dated XXX (XXX#XXX) however on XXX new purchase of 2nd Home (XXX), verify assets used to support reserves for this transaction to be dated after
XXXNote: Post close dated would be acceptable for this transaction to support assets were not used in new purchase 2nd Home to consider balance for XXX
|
9.5.2025 Client provided XXX #XXX XXX (post close statement) supporting similar balance to XXX balance that is being used for transaction
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score XXX exceeds guidelines
CFCFS2854: Significant time in profession
- xxx Comments: Significant time in profession, XXX years
|
|
409018588
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Lender to address a - d below, due to DTI on file is XXX%(a).Regarding PITIA on XXX. Lender using $XXX and documentation in file slightly over $XXXLender to provide breakdown of
$XXX (Taxes, HOI, HOA however verified is $XXX)(b). Regarding PITIA on XXX Lender using $XXX and documentation in file slightly over $XXXLender to provide breakdown of $XXX (Taxes, HOI, HOA) however verified is $XXX (c). subject taxes, lender
using Year 2023 of $XXX mo. however title (pg 853) reflect Year 2024 with 1st installment of $XXX x XXX = $XXX/ need clarification, currently using lender amounts for DTI of XXX% (d). If any of a - c is higher, DTI may increase over XXX% and
if TIA differ higher from 1003; rental calculation adjustment is needed if any of the TIA (taxes, insurance, HOA) is higher. Currently using lender amounts a - c (above)
|
9.5.2025 Client provided documentation and LOX breakdown of the PITIA payments being used for both properties: XXX and XXX PITIA amounts being used by Lender is verified/correct,
Lender also provided LOX email from Branch Manager stating, using 1st installment x 2 divided by 12 and paying off XXX Card for $XXX will get us back under XXX% DTI. Response, Lender updated 1003/1008 is needed to support using the correct
monthly subject taxes of $XXX vs $XXX (in which would put us over XXX%) however lender is also wanting to payoff another debt with XXX Card with balance of $XXX and monthly payment of $XXX (which is currently in DTI) however paying off this
debt would be post close. Condition remains (a). provide updated 1008 with using correct subject monthly taxes of $XXX (which would put DTI slightly over XXX%) and (b) Lender appears to now wanting to payoff another debt (JPMCB with balance
$XXX) to get DTI under XXX%, however DTI is based on prior to closing debts, not post close debts and (c). updated LP is required if over XXX% DTI. 10.3.2025 Client provided updated LP AUS along with 1003/1008 with now considering bonus
income of $XXX (which is from Year 2025) however have declined tremendously, prior year (2024) bonus monthly average was about $XXX and prior prior year (2023) bonus monthly average was about $XXX a mo. monthly bonus have declined from XXk
(2023) to $XXX (2024) and $XXX (2025) and is now using the $XXX which is the declining bonus income and appears the bonus was not needed however is now needed due to subject taxes differ, Lender was using a slightly lower monthly subject
taxes which will cause the DTI to exceed XXX%; will consider using some bonus to get DTI slightly under XXX% however due to declining of bonus (from year to year) full amount ($XXX) of using bonus is not justified and previously was not
used. Condition remains, to allow use of some bonus income (enough to get DTI slightly under XXX%) to allow use of the higher taxes on subject property and updated 1003/1008 and LP to support the final calculation of bonus income to get DTI
slightly under XXX% using slightly higher taxes. Note: Initial review was using DTI of XXX% without bonus and will allow enough bonus to get DTI to XXX% to consider the slightly higher taxes on subject property. Subject taxes is $XXX which
would put DTI slightly over XXX% without bonus and Lender was using $XXX which would put DTI slightly over XXX%. 10.8.2025 Client provided LOX stating, Updated 1003/1008 and AUS findings uploaded with higher tax amount. Bonus amount used is
most conservative. Even if bonus is lowered to $XXX a month, loan is still within guidelines. XXX is okay allowing the $XXX a month since it is most conservative. LOX from employer also provided indicating fluctuations on bonus tied to
profits. Response, income updated using bonus of $XXX and updated higher taxes with updated DTI of XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score XXX exceeds guidelines
CFCFS2854: Significant time in profession
- xxx Comments: Significant time in profession, XXX years
|
|
409018588
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC889
|
Income is Not Reasonable
|
No
|
Borrower is XXX with current employment, verify if having any ownership with current employment.
|
9/2 Client provided a VOE to confirm no ownership ion firm for Borrower
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score XXX exceeds guidelines
CFCFS2854: Significant time in profession
- xxx Comments: Significant time in profession, XXX years
|
|
409018588
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
LTV per LP and 1008 is XXX% with using value of $XXXAppraisal in file dated XXX reflect value of $XXX however Lender LTV XXX% is based on value of $XXXProvide appraisal
documentation with value of $XXX (per Lender 1008 and LP), upon receipt all applicable areas to reflect the verified LTV
|
9/2 Client provided a second full appraisal with a value of $XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score XXX exceeds guidelines
CFCFS2854: Significant time in profession
- xxx Comments: Significant time in profession, XXX years
|
|
409018736
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR2043
|
Cannot determine if funding date is after rescission period
|
No
|
Condition pending receipt of missing ROR.
|
10/16/25 Client provided the fully executed ROR form.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409018736
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR5345
|
ROR - Missing or Incomplete Right of Rescission form
|
No
|
A copy of executed ROR missing in file.
|
10/16/25 Client provided the fully executed ROR form.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409018745
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
COC's dated XXX, XXX, XXX and XXX are in file; however, corresponding Loan Estimates and Closing Disclosures are missing. Provide applicable disclosures.
|
09/22/25 Client provided the missing LEs and CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: Mortgage payment history shows no derogatory events since opening of account XXX
|
|
409018745
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX as Broker Fee was added to CD XXX. COC in file dated XXX adds Broker Fee; however, corresponding disclosure is missing. Condition is pending
receipt of applicable disclosures or PCD reflecting lenders cure, LOE issued to borrower, a copy of refund and proof of delivery including shipping details and tracking information.
|
09/22/25 Client provided the missing LEs and CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: Mortgage payment history shows no derogatory events since opening of account XXX
|
|
409018745
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
Non-borrowing titleholder e-signed Initial CD XXX without a prior e-sign consent in file. Provide e-Consent for non-borrower.
|
09/22/25 Client provided the Initial CD Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: Mortgage payment history shows no derogatory events since opening of account XXX
|
|
409018760
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing required Affiliate Business Disclosure
|
10/15/25 Client provided an LOE from the Lender stating they are not affiliated with anyone.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: LTV XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|
409018916
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower at current employment XXX years
|
|
409018917
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITI in reserves.
|
|||||||||||||||
|
409018935
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX as Discount Points were added to CD XXX without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting
lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/24/25 Client provided an XXX Email from the Lender reflecting the change request to lower the rate with added points (LOE also provided by Lender explaining the borrower
requested to buy down the rate with added points to allow them to use the full seller credit).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrowers have XXX months of 0x30 on current mortgage
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI
|
|
409018935
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Provide Final/Signed HUD/CD from sale of XXX
|
9.30.2025 Client provided executed copy of HUD-1 from sale of property: XXX with payoff of existing lien and net proceeds to borrowers of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrowers have XXX months of 0x30 on current mortgage
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI
|
|
409018935
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA
|
9.23.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrowers have XXX months of 0x30 on current mortgage
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI
|
|
409018936
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX *XXX = $XXX reserves required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; max XXX%.
|
|||||||||||||||
|
409018977
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to added CDA fee on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD
reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/12/25 Client provided duplicate copies of the XXX COC and LE. Condition remains. The COC did not reflect a valid reason/explanation for why the CDA was required. Provide
documentation, from the time of the change, to support the reason for the CDA fee addition, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery with tracking.09/23/25 Client provided a XXX PCCD with cure, LOE,
$XXX refund check and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.09/26/25 Client provided the delivery confirmation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409019169
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Disclosure Tracking Summary, revised Loan Estimates were issued on XXX and XXX which are missing. Provide LE's with applicable COC forms.
|
09/12/2025 Client provided missing LE 8/7.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA. Guidelines require XXX months or $ XXX X XXX = $ XXX+XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409019169
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA. Guidelines require XXX months or $ XXX X XXX = $ XXX+XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409019169
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX as Credit Report Fee was added to LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD
reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/12/2025 Client provided COC XXX reflecting additional Credit Report required. Condition remains. Provide a detailed, valid reason why the additional Report was required for
review. Additional Conditions may apply. 09/25/25 Client provided a XXX PCCD with cure, LOE, refund check and tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA. Guidelines require XXX months or $ XXX X XXX = $ XXX+XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409019387
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX as Appraisal Fee increased on LE XXX and Appraisal Desk Review Fee was added to CD XXX; however, no valid COC was documented to justify these
changes. As a result, the condition remains pending until the receipt of valid Change of Circumstances, PCD reflecting lenders cure, LOE issued to borrower, a copy of refund and proof of delivery including shipping details and tracking
information.
|
09/18/2025 Client provided a COC XXX reflecting increased appraisal fee by request of the appraisal due to Property/Order specifics or due date and COC XXX reflecting Additional
appraisal - service not previously required. Condition remains. provide details of changes that explains both of these addition/Increase or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 09/22/25
Client provided revised XXX and XXX COCs with an XXX Email showing the Appraisal Fee increase. Condition remains. The COC/Email for the Appraisal increase on XXX still does not explain a change in circumstance to validate the fee increase.
Also, the revised XXX COC indicates a CDA is required since now locked with Client (Investor). The lock with the Investor occurred on XXX. Unable to determine why the CDA fee was not disclosed until the XXX CD. Provide further explanation for
review. Additional conditions may apply, including refund to borrower.09/25/25 Client provided revised XXX and XXX COCs. Re-testing still results in a tolerance violation of $XXX, as the XXX COC indicates the SSR value over XXX requires a
CDA. The reason is valid, however the timing does not appear to have been met. The Appraisal and UCDP reports in file are dated XXX Borrower is due a refund of $XXX, PCCD with tolerance cure, LOE and proof of delivery that includes tracking
information.09/29/25 Client provided an additional XXX COC and Seller comment: CDA ordered XXX, redisclosed XXX within XXX days of cost being incurred. CDA in file confirms Report signed/dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- xxx Comments: 0 x 30 for XXX months
|
|
409019397
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3280
|
One or more Applications in file are incomplete
|
No
|
Final signed 1003s for B3 and B4 have incorrect employment information on them.The employment information is for B1 and B2, not B3 and B4.Provide updated 1003s for B3 and B4, may
be subject to additional conditions upon review.
|
10/10 Client provided corrected 1003s
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower 3 at job since XXX
|
|
409019397
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
|
No
|
10% tolerance in the amount of $XXX as Foreclosure Prevention Fee was added to CD XXX with out a COC in file. Condition pending receiving a Change of Circumstances or Post CD
reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information
|
10/13/25 Client provided a XXX PCCD with cure, LOE, refund check and proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower 3 at job since XXX
|
|
409019456
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Finance charge understated by more than $XXX. Finance charge understated by $XXX. Condition is pending receiving cure via refund of the amount of the under disclosure, LOX,
corrected PCCD reflecting cure, Reopen rescission to all title holders and proof of delivery with tracking shipment.
|
10/10/2025 Client provided PCCD XXX, with cure, copy of refund check, LOE and in transit shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409019456
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed
|
No
|
CD: XXX Amount Financed: $XXX. Amount Financed as Calculated: $XXXFinance charge understated by $XXX. Condition is pending receiving cure via refund of the amount of the under
disclosure, LOX, corrected PCCD reflecting cure, Reopen rescission to all title holders and proof of delivery with tracking shipment.
|
10/10/2025 Client provided PCCD XXX, with cure, copy of refund check, LOE and in transit shipping label.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409019478
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per preliminary title report in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor
|
10/3/2025 Client provided an exception approval for using incorrect ROR form
|
10/3/2025 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX
|
|
409019478
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
B
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
The 1008 Transmittal Summary indicates Risk Assessment AUS-DU Approve/Ineligible AUS Key# XXX. Missing AUS Key# XXX.
|
10.8.2025 Client provided DU AUS submission #4 Key #XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX
|
|
409019478
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
B
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR2300
|
Missing Second Appraisal required per guidelines
|
No
|
Loan transaction is a refinance, loan amount $XXX. For refinance transactions >$XXX, two full appraisals required. Provide second appraisal. Subject to LTV recalc and may be
subject to additional conditions upon review.
|
10.15.2025 Client provided 2nd full appraisal with value of $XXX dated XXX supporting value with lessor value being used for LTV calculation. (1st appraisal value $XXX dated XXX)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX
|
|
409019486
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support the appraisal value of $XXX. CU score is 3.7.
|
10.1.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|
409019488
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Lender corrected TOP on CD XXX with a refund check and LOE to borrower. Missing re-opened ROR to all title holders that was issued together with CD XXX.
|
10/08/25 Client provided the signed RORs and XXX Tracking. Received XXX with rescission expiring at midnight on XXX. Condition remains for the new rescission period to
expire.10/10/25 The new rescission period is now expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves$XXX or XXX months PITI. XXX months required
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years
|
|
409019488
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC191
|
Missing Mortgage
|
No
|
Missing a copy of executed Mortgage along with all applicable Riders.
|
10/02/2025 Client provided the fully executed Mortgage complete with Notary and Riders.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves$XXX or XXX months PITI. XXX months required
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years
|
|
409019490
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|||||||||||||||
|
409019499
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Final LE XXX is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule.
|
09/09/25 Client provided a duplicate copy of the XXX COC. Condition remains. Provide the confirmation of receipt for the last LE issued on XXX for further testing.09/12/25 Client
provided the following seller rebuttal: there was only 1 LE that was actually sent on this file before the CD went out. We show 2 CDs prior to closing and one signed at closing. No other LEs were sent. Lender to provide a signed LOE for
further review, as file contains an XXX COC for the Rate Lock and it reflects LE #2 with CD not issued. Additional conditions may apply.09/22/25 Client provided copies of the LE and CD's, a signed LOE and screenshot of the disclosures
showing no LE was sent on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409019538
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX As the fees are at least reflected there is no material issue. This exception is informational
per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXXmonths required.
|
|
409019538
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided
|
No
|
Zero Tolerance in amount of $XXX due to increase in Appraisal fee on LE XXX with no valid reasons documented on COC XXX. Lender's credit for tolerance cure was applied towards
increase in Condo Review fee. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/08/25 Client provided a XXX PCCD with cure, LOE, refund check and proof of delivery.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXXmonths required.
|
|
409019568
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to added Rush fee on CD XXX. COC dated XXX doesn't include a valid reason as to why fee was added. Condition is pending receiving borrower's
request for rush Appraisal or explanation as to why Appraisal was not ordered till XXX.
|
10/07/25 Client provided a XXX PCCD with cure, LOE, $XXXX refund check, shipping label and Seller comment: Cure Packet, Will be shipping out soon. Condition remains. Provide the
proof of shipment (tracking confirms only the label has been created).10/10/25 Client provided the proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI
|
|
409019568
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Document in file from Title Pro shows borrowers own XXX. Provide documentation that borrowers do not own property as it was not listed on 1003
|
9.24.2025 Client provided Lender LOX regarding address differences however, documentation in file do reflect our borrower and this updated ICE reflect XXX however we need to
document when borrower no longer had ownership with the ICE documentation that was in file (pg 902), condition remains to verify when borrower sold or no longer having ownership, the current ICE provided do not reflect any prior history,
unable to determine when was sold. 10/2 Client provided an Email that If they are still referring to XXX. That Property / Address Does not Exist, the address got changeover to XXX which the borrower still owns.How can we give proof borrower
doesnt own XXX, when that property address was changed to XXX, which the borrower still owns. Looks at the tax records and snip its that were provided that shows these are one in the same property. : Response no evidence found in the file to
confirm properties are one in the same: Provide supporting docs for review10/2 Client provided tax bill and map supporting property name change
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI
|
|
409019599
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure/ FACTS in file.
|
09/24/25 Client provided an LOE from Lender stating they no longer have any affiliates.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: ASSETSPost Close Assets are Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXGuidelines require 12 months or $ XXX X XXX = $ XXX for subject and XXX x XXX =
XXX, for a total of XXX required.
|
|
409019599
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Per guidelines, please provide below. May be subject to additional conditions upon review. 4506-C / Form 8821 must be signed and completed for all borrowers. IRS will require the
latest form completed in full
|
9.25.2025 Client provided some income documents however initial condition is for executed 4506C / 8821 must be signed and completed for all borrowers. Condition remains 9.26.2025
Client provided executed 4506C
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: ASSETSPost Close Assets are Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXGuidelines require 12 months or $ XXX X XXX = $ XXX for subject and XXX x XXX =
XXX, for a total of XXX required.
|
|
409019599
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS as required by XXX XXX 30 YR programSubject to full review, and may be subject to additional conditions
|
9/23 Client provided DUAI AUS supporting loan approval
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: ASSETSPost Close Assets are Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXGuidelines require 12 months or $ XXX X XXX = $ XXX for subject and XXX x XXX =
XXX, for a total of XXX required.
|
|
409019599
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide Missing updated valuation to support $ XXX Appraised ValueValue not yet supported.May be subject to additional conditions upon review.
|
9/23 Client provided a CU score of 1.4 supporting the Appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: ASSETSPost Close Assets are Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXGuidelines require 12 months or $ XXX X XXX = $ XXX for subject and XXX x XXX =
XXX, for a total of XXX required.
|
|
409020628
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%.
|
|
409020628
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing HOA statement for XXX to verify HOA Fee for this is a condo.
|
9/17 Client provided HOA statement
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%.
|
|
409020642
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
|
|
409020642
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
|
No
|
XXX percent tolerance in amount of $XXX due to increase Title Settlement fee from $XXX on LE XXX to $XXX on initial CD XXX with no COC in file. As Title Settlement fee is paid to
a title provider on SPL, fee is tested along with Recording fee for XXX% violation. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking
information
|
09/24/25 Client provided a XXX PCCD. Condition remains. Provide the missing COC to validate the increased Title Settlement Fee for review, OR provide Borrower with a cure of $XXX,
PCCD with tolerance cure, LOE to borrower and proof of delivery that includes tracking information.10/22/25 Client provided a Payment History reflecting a $XXX Principal Reduction on the borrower's account. Condition remains. Provide the
missing LOE to borrower and PCCD reflecting the PR cure.10/23/25 Client provided the XXX COC and PCCD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
|
|
409020651
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.
|
(No Data)
|
Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409020651
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to increased Appraisal Additional fee from $XXX on LE XXX to $XXX on LE XXX and at closing decreased to $XXX on CD XXX. No valid COC found in
file to support this increase. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/08/2025 Client provided COC XXX reflecting appraiser charged a higher fee due to Purchase Price being over $XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409020653
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
XXX% DTI; XXX% max allowed. Review calculated asset depletion income at $XXX; approved using $XXX. Review also used $XXX for consumer account with XXX Bank, which is XXX% of the
balance as required by guidelines.
|
10.3.2025 Client provided copy of XXX Bank statement supporting monthly payment of $XXX and with adjusting this payment updated DTI is now XXX% and appears this difference is now
stemming from the rental calculation for: XXX and after going through file looking for lender rental worksheet, was not located in file, Cash Flow income analysis was in file however rental income worksheet missing and is needed to determine
where difference is on rental calculation; updated DTI XXX% remains due to missing Lender rental income worksheet to support their calculation used. 10.8.2025 Client provided Lender rental income calculation and appears difference in rental
income was due to Lender using average of Year 2024 and DD was using 2024/2023 average however Borrower just acquired rental property: XXX as of XXX (average use of Year 2024 is supported), rental income adjusted and upon adjusting rental
income DTI was still over XXX% and other adjustments have been made: assets depletion income adjusted to $XXX vs Lender amount of $XXX(due to using same assets minus cash to close of $XXX vs $XXX cash to close that Lender used) and other
difference was due to REO on 1003 for this rental property reflect monthly of $XXX (possibly HOA) however was not considered on Lender rental income worksheet, with these changes updated DTI is now XXX% vs XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: XXX years at current job.
|
|
409020674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing documentation for the IRA distribution income with a benefit statement from the organization providing the income. The statement must specify the income type, amount and
frequency of the payment, and include confirmation of the initial start date.
|
10.3.2025 Client provided an email from organization that provides the IRA monthly distribution and appears the amount that was used to close transaction was $XXXX and Borrower
have increased from $XXX (XXX verified receipt) to $XXXX (August verified receipt in #XXX XXX) as of XXX with Note date of XXX and provided updated DU and 1003/1008 with DTI of XXX%; file have evidence of 3 years continuance w/XXX #XXX
however letter from XXX have #XXX (unable to determine if this is one of same account #XXX vs #XXX), there is no verified asset account of #XXX however is #XXX; (a). will need clarification or provide the #XXX full statement that supports
continuance of using $XXX a month and (b). belonging to our borrower. Upon receipt and review, DTI adjustment is required from $XXX to $XXX (once verified being our borrower #XXX account and once verified XXX year continuance), also XXX #XXX
XXX statement do not reflect the $XXX IRA distribution on XXX out that was provided to support monthly IRA deposit being deposited into XXX, reflect in name of XXX and our borrower is XXX. 10/7 Client provided evidence the Borrower is on the
XXX XXX account and Evidence of Monthly withdrawals starting XXX and planned of $XXX going forward
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guideline requirement.
|
|
409020674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guideline requirement.
|
|
409020674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3950
|
TRID - CD: The Additional Product Feature value in the CD Loan Information section and the Negative Amortization disclosure in the CD Loan Disclosures section are not consistent
|
No
|
Final CD XXX, section Loan Disclosures, field Negative Amortization - nothing has been selected. Condition is pending receiving corrected PCD and LOE to borrower.
|
09/18/25 Client provided an LOE and corrected version of the Final XXX CD signed at Closing on XXX.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guideline requirement.
|
|
409020674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3952
|
TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established
|
No
|
Final CD XXX, section Loan Disclosures, field Escrow Account- nothing has been selected. Condition is pending receiving corrected PCD and LOE to borrower.
|
09/18/25 Client provided an LOE and corrected version of the Final XXX CD signed at Closing on XXX.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guideline requirement.
|
|
409020674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3961
|
TRID - CD: The amount of the periodic escrow payment in the Projected Payments section does not equal the periodic escrow payment disclosed in the Loan Disclosures section
|
No
|
Final CD XXX, section Loan Disclosures, field Escrow Account- nothing has been selected. Condition is pending receiving corrected PCD and LOE to borrower.
|
09/18/25 Client provided an LOE and corrected version of the Final XXX CD signed at Closing on XXX
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guideline requirement.
|
|
409020674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3970
|
TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections.
|
No
|
Final CD XXX, section Loan Disclosures, field Partial Payments - nothing has been selected. Condition is pending receiving corrected PCD and LOE to borrower.
|
09/18/25 Client provided an LOE and corrected version of the Final XXX CD signed at Closing on XXX.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guideline requirement.
|
|
409020674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID4373
|
TRID - CD: Closing Disclosure contains conflicting loan attributes
|
No
|
Final CD XXX, section Loan Disclosures, field Negative Amortization - nothing has been selected. Condition is pending receiving corrected PCD and LOE to borrower.
|
09/18/25 Client provided an LOE and corrected version of the Final XXX CD signed at Closing on XXX.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guideline requirement.
|
|
409020674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID4571
|
TRID - CD: Neither the Will Have nor Will Not Have an Escrow Account in the CD Loan Disclosures section are selected.
|
No
|
Final CD XXX, section Loan Disclosures, field Escrow Account- nothing has been selected. Condition is pending receiving corrected PCD and LOE to borrower.
|
09/18/25 Client provided an LOE and corrected version of the Final XXX CD signed at Closing on XXX.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guideline requirement.
|
|
409020674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID5511
|
TRID - CD: Monthly Non-Escrowed Amount in Projected Payments is inconsistent with annual cost in the Loan Disclosures section (SFIG 3.0)
|
No
|
Exception fired due to the Escrow Account box was left blank on final CD XXX.
|
09/18/25 Client provided an LOE and corrected version of the Final XXX CD signed at Closing on 9/4.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guideline requirement.
|
|
409020674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to increase in Processing fee A. section on LE XXX with no valid reasons documented on COC XXX (fee is not tie to a rate lock, no program
change nor increase in a loan amount). Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
09/18/25 Client provided an LOE and copy of the Final CD for clerical corrections. Condition remains. Borrower is due a refund of $XXX, PCCD with tolerance cure, LOE and proof of
delivery that includes tracking information.09/18/2025 Client provided PCCD XXX PCCD removing $XXX from the processing amount, copy of the refund check, LOE and in transit shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guideline requirement.
|
|
409020674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
Missing documentation for the IRA distribution income with a benefit statement from the organization providing the income. The statement must specify the income type, amount and
frequency of the payment, and include confirmation of the initial start date.
|
10.3.2025 Client provided an email from organization that provides the IRA monthly distribution and appears the amount that was used to close transaction was $XXX and Borrower
have increased from $XXX (XXX verified receipt) to $XXX (XXX verified receipt in #XXX XXX) as of XXX with Note date of XXX and provided updated DU #8 along with 1003/1008 and updated DTI of XXX%; file have evidence of XXX years continuance
w/XXX #XXX however letter from XXX have #XXX (unable to determine if this is one of same account #XXX vs #XXX), there is no verified asset account of #XXX however is #XXX; (a). will need clarification or provide the #XXX full statement that
supports continuance of using $XXX a month and (b). belonging to our borrower. Upon receipt and review, DTI adjustment is required from $XXX to $XXX (once verified being our borrower #XXX account and once verified XXX year continuance), also
XXX #XXX XXX statement do not reflect the $XXX IRA distribution on XXXNote: XXX#XXX print out that was provided to support monthly IRA deposit being deposited into XXX, reflect in name of XXX and our borrower is XXX. 10/7 Client provided
evidence the Borrower is on the XXX XXX account and Evidence of Monthly withdrawals starting XXX and planned of $XXX going forward
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guideline requirement.
|
|
409020693
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current employer and XXX years in this line of work
|
|||||||||||||||
|
409020696
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|||||||||||||||
|
409020701
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX
|
|
409020701
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH2416
|
Questionable factors on credit report
|
No
|
XXX credit for B1 is Frozen. Provide documentation that it has been un-frozen
|
9.30.2025 Client provided copy of Credit report dated XXX (duplicate in file) and provided a copy of post close dated XXX credit report with all fico scores. Note date XXX
Condition is being satisfied with post close credit report reporting all bureaus, no differences in debts and mid score would be XXX vs XXX don't appear to have any affect.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX
|
|
409020701
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
HOI provided is for Condominium Owners as stated on the Dec Page & reflects Building coverage of $ XXXNote Amount = $ XXX
|
9.26.2025 Client provided subject HOI and Condo Master policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX
|
|
409020701
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR1939
|
Appraiser License for Incorrect State
|
No
|
Missing Appraisal
|
9/23 Client provided the Appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX
|
|
409020701
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Missing Appraisal
|
9/23 Client provided the Appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX
|
|
409020701
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Missing Appraisal
|
9/23 Client provided the Appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX
|
|
409020704
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|||||||||||||||
|
409020722
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
DTI OF XXX % Exceeds DTI Requirement of XXX%Missing Additional documents to Support XXX income of $ XXX as reflected on the 1003. Variance caused by B1 XXX income on 1003 vs
Actual Calculated
|
9/15 Client provided a spreadsheet for parsonage income; The worksheet has no identifying information; Condition remains, Provide evidence of receipt of XXX income supporting
Lender calculation9/18 Client provided same document previously reviewed XXX; Condition remains 9/23 Client provided same document previously reviewed : Condition remains 9.25.2025 Client provided Lender LOX along with documentation that was
previously provided. Response, file have a Written VOE (pg 257), Lender to clarify why not calculating income using the Written VOE provided/completed by Employer vs using a breakdown with copy of checks. In addition appears lender
breakdown is from XXX - XXX (XXX months average from mid of XXX year to mid of XXX year), XXX 30 YR. Initial condition remains for DTI and appears the Written VOE should be used for calculation vs what Lender is providing. 9/26 Client
provided canceled checks supporting receipt of XXX; DTI recalculated
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409020722
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Mortgage Late reported XXX. XXX Approved Exception provided for Mortgage Late reported XXX however waiver not applied due to outstanding exceptions
|
9/26 Client provided an approved exception to allow the file with 1x30 XXX
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409020733
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower at current employment XXX years
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|||||||||||||||
|
409020757
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 12 months or $ XXX X XXX = $ XXX
|
|||||||||||||||
|
409020811
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.
|
|
409020811
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Loan Amount Points fee was added on CD XXX without a COC/ Rate Lock Extension in file. Tolerance cure required for $XXX. Condition is pending receiving a valid Change of
Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/08/2025 Client provided a screen shot of reasons for Disclosure reflecting rate extension points of XXX charged.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.
|
|
409020811
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
|
No
|
Recording fee increased on CD XXX without a COC in file. Tolerance cure required for $XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders
cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/10/25 Client provided a XXX PCCD with cure and LOE to borrower. Condition remains. Provide a copy of the $XXX refund check and proof of delivery that includes tracking
information.10/15/25 Client provided the XXX PCCD, LOE, $XXX refund check and tracking that confirms shipment.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.
|
|
409020811
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH3000
|
# of Tradelines Does Not Meet Guideline Requirements
|
No
|
Borrower does not meet the minimum tradeline requirement of one (1) tradeline open for XXX (XXX) months and active within the most recent XXX (XXX) months. Authorized user
accounts are not allowed as an acceptable tradeline.
|
Client provided exception approval for tradelines not meeting guidelines
|
xxxs final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.
|
|
409020812
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Lender credit $XXX removed on the final CD XXX without a COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to
borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/23/25 Client provided a XXX PCCD adding back the Lender Credit, LOE to borrower, $XXX refund check and proof of shipment.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: Borrower's current mortgage payment history of XXX months exceeds guidelines.
|
|
409020845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Missing CD signed at closing
|
10/21/25 Client provided the 9/25 CD, Tracking and LOE from Lender stating the loan was a Hybrid closing and the Final CD was sent and signed electronically on 9/25 and 9/25.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrowers have XXX months of 0x30 on current mortgage.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves$XXX or XXX XXX months required on subject and XXX months for REO. Met
|
|
409020845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor
|
10/18/2025 Client provided an exception approval for using incorrect ROR form
|
10/18/2025 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrowers have XXX months of 0x30 on current mortgage.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves$XXX or XXX XXX months required on subject and XXX months for REO. Met
|
|
409020849
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing 2024 form 4868 1040 extension to IRS. 4868 Extension to support no funds required to be paid with extension. If funds were required to be paid, provide verification of
payment to XXX.
|
10.10.2025 Client provided copy of Form 4868 2024 extension owing $XXX with sufficient assets to cover
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Mortgage reports XXX mos. 0x30.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves $XXX exceed required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative credit score XXX above program requirement XXX.
|
|
409020987
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS5269: Minimal use of credit
- xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: > XXX months with 0x30 Mortgage payment history exceeds guidelines of 24 months.
|
|||||||||||||||
|
409020996
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliated Business Disclosure or FACTS in file.
|
09/17/2025 Client provided a signed letter reflecting Lender confirms that the Lender has no Affiliated businesses or Ownership interests in any Settlement Service providers, Real
Estate Brokerages, or other entities.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum requirement of XXX%
|
|
409021007
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to Appraisal fee increase from $XXX on LE XXX to $XXX on final CD XXX with no valid reasons documented on COC XXX Condition is pending
receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/10/2025 Client provided COC XXX reflecting the XXX addition due to XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409021007
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
File is missing the fully executed lease agreement for the departure residence verifying monthly rent of $XXX. Used rent amount from final 1003 for recalculations.
|
9.9.2025 Client provided executed Lease agreement for departure home $XXX monthly Lease, in which appears to be Family relation, both having same last name. Borrower to address
if any relationship with Tenant whom is renting departure home. Condition remains 9.22.2025 Client provided B1 LOX stating departure home is being leased to Family member, Mom. Response, executed lease was provided along with evidence of
$XXX 1st month and security deposit (pg 289) and evidence deposited into borrowers account (pg 227) and no positive net income is being considered, only using lease payment to offset the PITIA payment. File have LOX disclosing relationship
between B1 and tenant (XXX). Lease agreement is executed for $XXX and PITIA verified on departure of $XXX (not considering any positive net rental income)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409021007
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Co-borrower employment was submitted to DU as a salaried borrower. Co-borrower is self-employed. A corrected DU will be required.
|
9.9.2025 Client provided updated DU submission #8 dated XXX however still do not reflect input of B2 as being XXX and #13 on DU is asking for paystub and w2 for B2 however B2 is
XXX% XXX and should be requesting for tax returns and business returns, etc. Condition remains for updated DU reflected B2 as XXX. 9.16.2025 Client provided updated DU approval submission #10 reflecting B2 as self employed, and with review
of 1003 and other documents appear (a) Final 1003 do not reflect as being self employed and (b) Final 1003 for B1 do not reflect working for family, appear to work for B2 self employment. Condition remains for updated 1003 for both
borrowers, B2 to show as self employed (XXX%) and B1 to show as working for XXX(work for B1). 9.23.2025 Client provided updated corrected Final 1003 showing B1 working for XXX and B2 as XXX(XXX%) and provided updated DU submission #11 with
input B1 working for XXX. Condition remains: B2 1003 says XXX started XXX (which would be less than XXX years being reported on tax returns) however 1120S reflect date of incorporated XXX(over XXX years), please clarify which is correct and
if 1120S is correct, updated 1003 for B2 is required to cover over XXX years of XXX, if applicable, using date of XXX(per 1120S) or clarify difference in dates. 9.26.2025 Client provided Lender updated 1003 with correction of Borrower self
employment date of XXX as reflected on 1120S and provided copy of SOS verifying date formed XXXNote: updated 1003 corrected both borrowers dates however B1 (XXX) employment date was correct XXX(per XXX VVOE in file), B2 is XXX% XXX.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409021015
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves$XXX or XXX months PITI. XXX months required
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score
|
|
409021107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS2854: Significant time in profession
- xxx Comments: B1 has XXX years in profession.
|
|||||||||||||||
|
409021108
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing borrower letter of explanation or other satisfactory documentation to support HOA on XXX of $XXX as qualified with.
|
10.4.2025 Client provided copy of invoice statement supporting monthly $XXX HOA on XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves $XXX exceed required reserves $XXX.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Mortgage history reports XXX mos. 0x30, XXX mos. 0x30, XXX mos. 0x30, XXX mos. 0x30 and XXX mos. 0x30.
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years XXX months at current residence.
|
|
409021108
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided
|
No
|
Zero tolerance in the amount of $XXX as Appraisal Review fee in the amount of $XXX was added to PCCD XXX. Lender Credit disclosed $XXX for costs above legal limit; however, an
additional $XXX is required. Condition pending receiving corrected PCD reflecting actual lenders cure, LOE issued to borrower, or a copy of refund and proof of delivery including shipping details and tracking information.
|
10/09/25 Client provided a XXX PCCD, LOE, refund check and tracking.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves $XXX exceed required reserves $XXX.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Mortgage history reports XXX mos. 0x30, XXX mos. 0x30, XXX mos. 0x30, XXX mos. 0x30 and XXX mos. 0x30.
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years XXX months at current residence.
|
|
409021108
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing borrower letter of explanation or other satisfactory documentation to support HOA on XXX of $XXX as qualified with.
|
10.4.2025 Client provided copy of invoice statement supporting monthly $XXX HOA on XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves $XXX exceed required reserves $XXX.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Mortgage history reports XXX mos. 0x30, XXX mos. 0x30, XXX mos. 0x30, XXX mos. 0x30 and XXX mos. 0x30.
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years XXX months at current residence.
|
|
409021108
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support original appraised value. Appraised value of $XXX is not supported by CU score of 4.2.
|
10.4.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves $XXX exceed required reserves $XXX.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Mortgage history reports XXX mos. 0x30, XXX mos. 0x30, XXX mos. 0x30, XXX mos. 0x30 and XXX mos. 0x30.
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years XXX months at current residence.
|
|
409021116
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Final 1003 indicates all consumer debt reported on credit will be paid off at closing. XXX Card and XXX payoffs showing on the final CD do not match the balances shown on the
credit report. File is missing a credit supplement or account statements verifying balance paid off at closing.
|
9.11.2025 Client provided copy of Final CD, snip shot of 1003 debts and LOX stating credit report balances are what was paid off on the Final CD. Response, it does appear on the
Final CD these are the same debts on credit report with same balances being paid off however, PCCD balances differ. Additional documentation is required to support all debts on credit report/Final CD was paid off at closing due to PCCD
balances differ. 9.12.2025 Client provided copy of Final HUD-1 that matches what PCCD reflect however Final CD reflects debts on credit report to be paid off and PCCD and Final HUD-1 says $XXX for XXX etc. this is where the initial condition
is picking up balances differ per Final CD. Condition remains, provide sufficient documentation that all debts were paid off $XXX at closing due to Final CD balances and PCCD/HUD-1 balances do not reflect the same balances, or include in DTI
if applicable. Provide documentation that support the balances on the PCCD/Final HUD-1; credit report reflect the balances on the Final CD however PCCD/Final HUD-1 now reflect different balances, need the documentation to support the updated
balances per the PCCD. 9.16.2025 Client provided evidence of borrower making payment with XXX#XXX of $XXX and provided the XXX statement and chase withdrawal slip etc. however still need to support others: XXX$XXX on PCCD however Final CD
balance was $XXX etc. Lender to provide the payoff statement for the accounts that are paid off on PCCD due to lower balances were paid off (XXX #XXX have been verified as $XXX balance). Condition remains for other balances to support lower
balance that was paid off, provide the payoff statement Lender used to support the lower balances between PCCD and Final CD.9.18.2025 Client provided lender rebuttal however we are only asking for the payoff statement documentation that
supports the balances that was paid off on the PCCD, due to the balances differ from Final CD and PCCD. We are not asking for accounts to be closed out at closing. Condition remains for current statement or payoff statement that was used at
closing to payoff off the debt balances to support the lower balances on PCCD or will need to be include difference in DTI. XXX#XXX have been verified as being paid off at closing however still missing evidence of lower balances on other
debts that were paid off. Example: XXX balance on Final CD was $XXX and PCCD balance is $XXX, etc. missing documentation of lower balances on PCCD. Note: Balances on Final CD is slightly higher than balances on PCCD, the initial condition
is asking for documentation to support the lower balances on PCCD. Condition remains for the documentation that supports the lower balances that were paid off 9.19.2025 Client provided copy of last account statement dated prior to closing to
support balances used on PCCD to payoff debtsNote: XXX Card was paid off with evidence of receipt of payment.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with current employer since XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX % LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409021116
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
File is missing a Verbal Verification of Employment (VVOE) performed no more than XXX(XXX) business days prior to the Note date for B1. VVOE provided in the file is expired.
|
9.12.2025 Client provided VVOE for B1 dated XXX within XXX business days
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with current employer since XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX % LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409021118
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been self employed for XXX years in the same field.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; Subject: $XXX XXX months + XXX for XXX = XXX, x $XXX = XXX+REOs $XXX x XXX = XXX= $XXX reserves required
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
|
|
409021118
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to added Discount Points fee on LE XXX. COC dated XXX in file indicates fee was added due to locked interest rate. Rate was locked on LE XXX,
and no change was made on LE XXX in interest rate, expiration date for rate lock or loan amount. Condition is pending receiving further information as to why Discount Points were added or PCD reflecting lenders cure, LOE to borrower, a copy
of refund and proof of delivery via shipping that includes tracking information
|
10/14/25 Client provided the following Seller response: Qualification factors that resulted in a pricing adjustment and profile change on the lock and price. More specifically the
taxes and HOI factors came back higher and that created the increase in DTI, which created the pricing increase. Please advise as this is a valid COC.File contains the XXX COC indicating a Lock change and the XXX HOI policy reflecting the
higher premium amount.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been self employed for XXX years in the same field.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; Subject: $XXX XXX months + XXX for XXX = XXX, x $XXX = XXX+REOs $XXX x XXX = XXX= $XXX reserves required
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
|
|
409021136
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Missing final CD acknowledged by borrowers at closing. CD dated XXX is, per disclosure tracking details, not the final CD but a revised CD.
|
10/02/2025 Client provided an LOE on letterhead reflecting that the Closing Disclosure XXX is the final CD and was incorrectly designated as revised.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower at current employment XXX years
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|
409021136
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPDOC255
|
Compliance: Missing or Incomplete Addendum or Rider.
|
No
|
PUD Rider is missing page 3, the signature page.
|
10/02/2025 Client provided the complete and recorded Mortgage including Notary, legal description and all pages of the Rider.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower at current employment XXX years
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|
409021136
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC806
|
Notary Status is missing
|
No
|
Final page of the Deed of Trust is missing.
|
10/02/2025 Client provided the complete and recorded Mortgage including Notary, legal description and all pages of the Rider.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower at current employment XXX years
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|
409021140
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Final CD reflects a Disbursement Date prior to the end of the Rescission period. Lender to provide proof of a later Disbursement via Final ALTA/Settlement Statement and corrected
Post/Funding CD. Or, if the loan disbursed prior to the ROR expiration date, please reopen rescission to all titleholders with dates allowing for method of delivery.
|
10/02/2025 Client provided PCCD XXX with Disbursement date of XXX. Condition remains for the Final Alta Settlement Statement matching fees and date. 10/09/25 Client provided the
Final Refinance Statement confirming Disbursement Date of XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years.
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has been at the same residence for XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
|
|
409021140
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
LEs and CD e-signed by both borrowers; however, there is no prior e-sign consent in file for Borrower 1. Provide e-Consent for all borrowers.
|
10/02/2025 Client provided accepted e-consent for both on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years.
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has been at the same residence for XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
|
|
409021164
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|||||||||||||||
|
409021167
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Application
|
Waived
|
D
|
B
|
D
|
B
|
CRDAPP130
|
Application is incomplete
|
No
|
Missing both borrowers' demographic information across all applications.
|
9/26 Client provided an approved exception to allow the file without HMDA information
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX *XXX = $XXX reserves required.
|
|
409021167
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Program changed to XXX 30Y ; Provide updated lock
|
9/26 Client provided updated Lock for XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX *XXX = $XXX reserves required.
|
|
409021167
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS findings with an Approve/Ineligible -or- Eligible due to loan amount required by Sequoia AUS Program guidelines.
|
9/25 Client changed the program to XXX 30 Y and AUS is not required
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX *XXX = $XXX reserves required.
|
|
409021180
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower2 has XXX years at current employer and XXX years in profession.
|
|||||||||||||||
|
409021199
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|||||||||||||||
|
409021204
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum
|
|||||||||||||||
|
409021205
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing XXX Income worksheet, 2024 tax returns along with proof they have been filed and any tax liability paid in full. Loan closed XXX Only 2024 P & L in file.
|
10/22 Client provide an approved exception to allow the file without the XXX income WS
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|
409021205
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor
|
10/14/2025 Client provided an exception approval for using incorrect ROR form
|
10/14/2025 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|
409021205
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing XXX Income worksheet, 2024 tax returns along with proof they have been filed and any tax liability paid in full. Loan closed XXX. Only 2024 P & L in file.
|
10/22 Client provided an approved exception to allow the file without the income WS
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|
409021221
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%.
|
|||||||||||||||
|
409021226
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX as Appraisal Fee increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD
reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
10/15/2025 Client provided PCCD XXX with cure, copy of the cure check, LOE and In Transit Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit 800 Guidelines allow XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: Low LTV/CLTV/HLTV XXX % Guidelines allow 80 %
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months
for Additional REO or $ XXX X XXX = $ XXX
|
|
409021237
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTXHE119
|
Texas Equity - Affidavit of Fair Market Value not signed by lender
|
No
|
Affidavit of Fair Market Value is missing lender's signature
|
10/14/25 Client provided the fully executed copy of the FMV Affidavit from closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been self employed for XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409021237
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX as Discount Points were added/increased and Lender Credits decreased. Change of Circumstances are on file; however, corresponding disclosures
are missing. Condition pending receiving missing disclosures or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
10/14/25 Client provided missing revised LEs issued on XXX and XXX. Condition remains. File contains the corresponding COCs dated XXX and XXX reflecting Points
additions/increases, however the XXX COC does not provide a valid explanation for the added Points/removed Lender Credit. Provide further explanation for the XXX change in circumstance with supporting documentation. Subject to
re-review.10/17/25 Client provided another XXX COC validating the Points change.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been self employed for XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409021237
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5741
|
TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null
|
No
|
CD XXX In the Escrow section, You will have an escrow account is indicated, but Initial Escrow Payment is Null. Condition is pending LOX with corrected PCD to borrower.
|
10/17/25 Client provided an LOE to borrower and corrected XXX PCCD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been self employed for XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409021260
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Missing evidence that the list of homeowners counseling organizations was provided to the borrower's within XXX days of the application date of XXX.
|
10/6/25 Client provided an approved exception for HOCL not disclosed timely.
|
10/6/25 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%.
|
|
409021260
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
The application is dated XXX , earliest LE in file was issued on XXX. Missing initial LE disclosed to borrower within XXX days of application.
|
10/08/2025 Client provided missing Initial LE XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%.
|
|
409021293
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test loan Product due to the missing Initial CD. Provide the missing Initial CD for further testing.
|
09/25/25 Client provided the missing XXX Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409021293
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
File is missing the Initial CD with confirmation of receipt. Provide the missing Initial CD and acknowledgment for further testing.
|
09/25/25 Client provided the missing XXX Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409021293
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Insurance
|
Waived
|
C
|
B
|
C
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance Effective Date XXX is greater than the transaction date of XXX Per final CD disbursement date is XXX Condition Waived
|
Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review
|
Final grade of B
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409021299
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing Verification of rent for most recent twelve (XXX) months reflecting 0x30 in the last XXX months. Borrower is first time home buyer. (Section 5 5a.A No to ownership of
property in last XXX years). Borrower resided in XXX XXX months at XXX however previously resided for XXX year and XXX months at XXX
|
9.24.2025 Client provided an LOX from owner (XXX and provided tax report to support XXX is owner of XXX.) verifying $XXX monthly rent paid for address: XXXX. (only XXX months at
this current address. Condition remains for missing verification of rent covering prior housing at: XXX. #XXX (paying $XXX a month per 1003/prior rental history) 9.26.2025 Client provided executed VOR with satisfactory payment history
covering XXX - XXX with monthly payment of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is 80 points above minimum program requirement of XX
CFCFS1737: LTV below guideline requirements
- xxx Comments: LTV/CLTV/HCLTV XXX % is below the guideline maximum of XX%
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current employer
|
|
409021601
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have been in their same residence for XXX years.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been XXX in the same business for XXX years.
CFCFS1737: LTV below guideline requirements
- xxx Comments: 80% LTV; max 90%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; max XXX%.
|
|
409021602
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have lived in the departed residence > XXX years.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Co-Borrower has > XXX years at current job
|
|
409021603
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Fico score XXX exceeds guide lines.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Co-borrower has stable employment with XXX years at current job.
|
|||||||||||||||
|
409021608
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of :The final, fully executed Settlement Statement/Closing Disclosure verifying this borrowers' departure residence has been sold.
|
10.1.2025 Client provided Subject executed copy of Sales Contract however still missing executed HUD-1 or Final CD from sale of departure home due to currently short liquid funds
to close and reserves for subject transaction AND debt on departure home was omitted from DTI.10.8.2025 Client provided executed Seller CD from sale of home: XXX. as of XXX (Note date XXX) with payoff of existing lien and netting $XXX
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409021608
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Insufficient assets verified in the meet the closing cost requirement. Total assets verified were $XXX with cash required to close of $XXX (including the EMD) leaving $XXX short
to close. Final 1003 indicates borrowers have sold their departure residence with net proceeds of $XXX to be used for subject loan closing. File is missing the final, fully executed Settlement Statement/Closing Disclosure verifying net
proceeds used to qualify.
|
10.1.2025 Client provided Subject executed copy of Sales Contract however still missing executed HUD-1 or Final CD from sale of departure home due to currently short liquid funds
to close. Condition remains 10.8.2025 Client provided executed Seller CD from sale of home: XXX. as of XXX (Note date XXX) with payoff of existing lien and netting $XXX; sufficient funds to close verified
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409021608
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Insufficient assets verified in the file to meet the reserve requirement. Total assets verified were $XXX with cash required to close of $XXX(including the EMD) leaving no assets
available in reserves. Final 1003 indicates borrowers have sold their departure residence with net proceeds of $XXX to be used for subject loan closing and reserves. File is missing the final, fully executed Settlement Statement/Closing
Disclosure verifying net proceeds to be used for reserves after the closing cost requirement has been met.
|
10.1.2025 Client provided Subject executed copy of Sales Contract however still missing executed HUD-1 or Final CD from sale of departure home due to currently short liquid funds
to close and short reserves. Condition remains 10.8.2025 Client provided executed Seller CD from sale of home: XXX. as of XXX (Note date XXX) with payoff of existing lien and netting $XXX; verified reserves $XXX or XXX months reserves (6
months subject + XXX months REO) supported.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409021608
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2550
|
Missing HUD-1 from sale of property
|
No
|
Final 1003 indicates borrowers' departure residence is pending sale and no PITI payment was included in the debts. File is missing the final, fully executed Settlement
Statement/Closing Disclosure verifying this property has been sold.
|
10.1.2025 Client provided Subject executed copy of Sales Contract however still missing executed HUD-1 or Final CD from sale of departure home due to currently short liquid funds
to close and reserves for subject transaction AND debt on departure home was omitted from DTI.10.8.2025 Client provided executed Seller CD from sale of home: XXX as of XXX(Note date XXX) with payoff of existing lien and netting $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409021655
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor
|
10/14/2025 Client provided an exception approval for using incorrect ROR form
|
10/14/2025 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been XXX in the same business for XXX years.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.
|
|
409021659
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support Appraised Value of $ XXX
|
10/20 Client provided a CDA supporting the appraised value with a XXX% variance
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409021666
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Employment and income : file missing XXX form 91 or equivalent/ lender income calc for the self employed borrowers.
|
10.17.2025 Client provided 1003 and income worksheet however not for our loan file. Initial condition remains for Lender income calculations for BOTH self employed borrowers.
10/22 Client asked for a review; on review income worksheet provided is for Bwrs file and supports incmoe
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower1 has XXX years XXX months at current employer, and XXX in line of work.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower2 has XXX years XXX months at current employer, and XXX years in line of work
|
|
409021689
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide updated AUS findings reflecting Limited Cash out refi; current findings reflect Cash out refi.May be subject to additional conditions upon review.
|
10.14.2025 Client provided updated DU reflecting as Limited cash out refinance vs cash out refinance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements; no additional REO
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
|
|
409021697
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
|
|||||||||||||||
|
409021703
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS2854: Significant time in profession
- xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
|
|||||||||||||||
|
409021711
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: B2 has XXX years with current employer.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|||||||||||||||
|
409021712
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITI in reserves.
|
|||||||||||||||
|
409021717
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Incorrect H8 ROR form was used with the save lender refi instead of H9 ROR form
|
9/26/25 Client provided an approved exception for using incorrect ROR form
|
9/26/25 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%.
|
|
409021717
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to added Appraisal Desk fee on CD XXX with no valid reasons documented on COC XXX. Loan was locked with the Investor on XXX, fee was not
disclosed timely. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
10/17/25 Client provided a XXX PCCD with cure, LOE, refund check and shipping label. Tracking shows only the label has been created. Condition remains for the proof of
shipment.10/23/25 Client provided the proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%.
|
|
409021724
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided
|
No
|
Zero tolerance in amount of $XXX due to added 2nd Appraisal fee on LE XXX with no valid reasons documented on COC XXX Condition is pending receiving a valid Change of
Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/26/25 Client provided a duplicate copy of the 8/28 COC and XXX LE. Condition remains. The COC does not explain why a 2nd Appraisal Fee was added. Provide additional
documentation, at the time of the change, to support/validate the added 2nd Appraisal Fee. Subject to re-review.10/03/2025 Client provided PCCD XXX with cure, copy of cure check and LOE. Condition remains for evidence of delivery. 10/08/25
Client provided a shipping label. Tracking confirms delivery.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
|
|
409021724
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing income calculation worksheet or 1008 with income calculation for both borrowers; required by XXX Program guides.
|
9/26 Client provided the income WS
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
|
|
409021724
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL100
|
Potential title issue
|
No
|
Provide updated title reflecting the correct proposed loan amount of $XXX.
|
9/26 Client provided the corrected title
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
|
|
409021732
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
|
|||||||||||||||
|
409021734
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409021734
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product du to missing initial CD in file.
|
10/08/25 Client provided the missing Initial XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409021734
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers min XXX days prior to closing and , if applicable, any revised CDs for further testing.
|
10/08/25 Client provided the missing Initial 9/26 CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409021734
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Projected Income outside of guidelines
|
Approved XXX Exception XXX provided or Projected Income outside of guidelines
|
Upon further review by Senior underwriter exception is deemed Non Material due to verified cash reserves and credit score exceeds guidelines. Significant time in profession.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409021743
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: 33.53% DTI is below guideline maximum requirement of 49.99%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum requirement of XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX - or XXX -months PITI reserves exceed guidelines.
|
|||||||||||||||
|
409021747
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been at the same job for XXX years.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max 90%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; max XXX%.
|
|||||||||||||||
|
409021764
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing VA benefit docs XXX for XXX
|
10.21.2025 Client provided VA disability award letter supporting monthly $XXX for XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have been at current residence for XXX years.
CFCFS1737: LTV below guideline requirements
- xxx Comments: LTV XXX% below guideline requirements XXX%.
|
|
409021767
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
LE and CD e-signed by both borrowers; however, there is no prior e-sign consent in file for co-borrower. Provide e-Consent for all borrowers.
|
10/09/2025 Client provided Disclosure tracking reflecting accepted Consent for e-delivery for both on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409021774
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments: Qualifying credit score XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower at current employment XXX years
|
|||||||||||||||
|
409021778
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
|
|
409021778
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
C
|
B
|
C
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance Effective Date XXX is greater than the transaction date of XXX Per final CD disbursement date is XXX Condition Waived
|
Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
|
|
409021784
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
|
|||||||||||||||
|
409021791
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
COC XXX found in file indicating Rate Lock and Price Adjustment. A corresponding disclosure, provided to borrower within 3 days of findings, is missing in file.
|
10/07/25 Client provided the missing XXX LE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have been at departed residence > XXX years.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has > XXX years at current job
|
|
409021791
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance
department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have been at departed residence > XXX years.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has > XXX years at current job
|
|
409021800
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
A COC dated XXX is in file; however, a corresponding Loan Estimate is missing.
|
10/17/25 Client provided the missing XXX LE with the COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409021800
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409021803
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|||||||||||||||
|
409021804
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: LTV XXX%
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower at current employment XXX years
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Co borrower at current employment XXX years
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|
409021806
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH150
|
Tradelines do not meet guidelines
|
No
|
Borrower has less than 3 tradelines
|
10/03/25 Upon further review Sr xxx UW determined that, the Borrower only has 2 tradelines which is less then the standard guidelines requirement of 3 is non material due to the
following compensating factors: verified cash reserves exceed guidelines, credit score exceeds guidelines and significant time in profession
|
xxx initial & final grade of B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409021828
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
|
|
409021828
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Waived
|
C
|
B
|
C
|
B
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Verified cash assets are insufficient to close. Short $XXX. Missing verification of additional liquid assets.
|
10.9.2025 Client provided a snipshot of DU AUS regarding liquidation of the assets is not required if the value is at least XXX% more than the amount of funds needed for down
payment and closing costs. Response, condition remains file was reviewed to XXX YR vs XXX AUS. DU AUS was not used for review. Initial condition, short funds to close of -$XXX 10/15 Client provided an approved exception to allow the file
without liquidation of assets (meets Agency)
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
|
|
409021871
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current employer and XXX years in this line of work.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
|
|
409021871
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
SPS Mortgage was opened XXX XXX months reflected on credit report. Guidelines require verification of the mortgage for XXX months and verification borrower is not responsible for
making the payment as is excluded from the DTI.
|
10.2.2025 Client provided Lender LOX stating XXX months ago the new servicer took over in which is the current mortgage on credit report and prior mortgage was with XXX Bank in
which no longer exists and provided evidence of prior lender no longer existing. Condition remains, also per initial condition for Lender to clarify, appears PI of $XXX was omitted from DTI with taxes/insurance of $XXX being included in DTI
(per REO), verify omission of the PI of $XXX from DTI and is not reflected on 1008 DTI, or provide updated 1008/1003 including full PITIA for this property: XXX10.8.2025 Client provided XXX#XXX statement verifying other party making monthly
payment of PI of $XXX along with XXX months payments history to support omission of PI (XXX - XXX)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current employer and XXX years in this line of work.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
|
|
409021871
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing Select Portfolio Services mortgage statement for to verify PITI for property located at XXX
|
9/26 Client provided taxes and insurance for REO PI verified with statements
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current employer and XXX years in this line of work.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
|
|
409022090
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
Asset depletion was used for B1. He is less than XXX years of age.Per guides:'Asset Depletion:For borrowers < XXX, all post-closing liquid (non-retirement) assets can be
included in the calculation.'XXX IRA account # XXX was used for Asset depletion calc, not meeting above guidelines.
|
10/14 Client provided an Email that XXX #XXX was removed from asset depletion calculation; Response; provide new 1003/1008 with assets removed and with new asset depletion and
DTI calculation 10/16 Client provided the revised 1003/1008 DTI
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Fico score XXX exceeds guide lines.
|
|
409022097
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Section C are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: LTV of XXX% is below guideline max LTV of XXX%.
|
|
409022100
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS as required by XXX XXX XXX YR Guidelines
|
10.15.2025 Client provided DU approval #3 with incorrect loan amount and monthly debts should be $XXX vs $XXX; condition remains for updated DU reflecting these three (3)
changes: correct loan amount of $XXX and monthly debts of $XXX vs $XXX and DU income appears to be higher than lender 1003/1008; DU to also reflect same monthly income per 1003/100810/21 Client provded a corrected 1008
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409022106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
B1 Verbal verification of employment missing
|
10.8.2025 Client provided VVOE dated XXX for B1
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409022106
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance Effective Date XXX is greater than the transaction date of XXX Per final CD disbursement date is XXX Condition Waived
|
Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review
|
xxx initial and final grade of B
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS1737: LTV below guideline requirements
- xxx Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409022143
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one REO
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
|
|
409022143
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Provide income calc worksheet and liquidity worksheet, per guidelines below, for 1120s.May be subject to additional conditions upon review.Guidelines:"Income calculation
worksheet: The XXX 1084, or XXX Form 91 or equivalent is required for XXX analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions per Form 1084 or Form 91 must be followed.? Copy of liquidity
analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1.? If a liquidity analysis is required and the borrower is using business
funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets"
|
10/17 Client provided the income WS and Liquidity WS
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one REO
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
|
|
409022143
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Provide third party VOE for 1120s, meeting guidelines.May be subject to additional conditions upon review.
|
10/17 Client provided a XXX VVOE post close dated; provide a VVOE dated prior to close 10/17 Client provided an approved exception to allow the file with the post close VVOE
|
xxx final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one REO
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
|
|
409022144
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrower has XXX months of 0x30 on current mortgage
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years
|
|
409022144
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
|
No
|
XXX % tolerance in the amount of $XXX as Title Fees were added or increased without a valid COC in file. These fees include Title - Attorney's Fees, Title Examination Fee, Courier
Fee and Title - Notice of Settlement Fee. Condition pending receipt of a valid Change of Circumstance, PCD reflecting lenders cure, LOE issued to borrower, a copy of refund and proof of delivery including shipping details and tracking
information.
|
10/03/2025 Client provided duplicates of LE XXX and COC XXX. Condition remains. the COC states Received updated Prelim CD finalizing fees and does not reflect a valid reason for
the changes to the Title fees. Provide a valid change reason COC or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery. 10/08/25 Client provided an Email with response from the Seller stating: When the CD fee sheet
was received from the law office they had changed the fee name to Title- Attorney Fee. The fee naming change was completed on a loan estimate and the naming description has the same meaning in this case since the attorney is acting as the
settlement agent. The only increase in the title fees is a CPL fee which is covered in the XXX% tolerance. The total amount of 3rd party fees at close is less than what was on the initial LE. Condition remains. Review agrees to revise the
Settlement fee testing, however there is still a XXX% violation of $XXX. No CPL fee was charged at closing, so this fee is excluded from the testing. A few other Title fees were increased or added without valid change documentation. Borrower
is due a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking information.10/10/25 Client provided a XXX PCCD with cure, $XXX check, LOE and proof of shipment.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrower has XXX months of 0x30 on current mortgage
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years
|
|
409022144
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide monthly HOI for XXX. The binder in file includes additional properties and is not broken down.
|
10.1.2025 Client provided evidence of annual HOI of $XXX/$XXX mo. for XXX property
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrower has XXX months of 0x30 on current mortgage
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years
|
|
409022144
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Provide VOE dated within XXX business days prior to Note date. Borrower is <XXX% ownership
|
9.26.2025 Client provided SOS dated XXX and Written VOE dated XXX (Note date XXX) SOS provided however Borrower have < XXX% ownership and VVOE within XXX business days is
required. 10.3.2025 Client provided Lender LOX stating, Note date is XXX, VVOE with SOS and google search is XXX. Response, Agree SOS is dated XXX prior to Note date however Borrower is not XXX (by definition) due to having less than XXX%
ownership. SOS is sufficient for a sXXX borrower with XXX% or greater ownership, however our Borrower have less than XXX% ownership and a VVOE is required dated within XXX business days of Note date, VVOE can be a work number, or Lender can
verbally verify employment with employer, etc. Condition remains for a VVOE 10/7 Client provided an approved exception to allow the file without the VVOE
|
xxx final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrower has XXX months of 0x30 on current mortgage
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years
|
|
409022147
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: B2 has been on current job for XXX years.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
|
|||||||||||||||
|
409022148
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not all Fees are on Borrower final CD XXX dated As the fees are at least reflected there is no material issue. This exception is informational
per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Co-borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Fico score XXX exceeds guide lines.
|
|
409022233
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
|
|
409022246
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per Title Commitment in file, loan originated with the same lender. The incorrect H8 ROR from was used for refinance with the same lender instead of H9 ROR form.
|
10/14/25 Client provided an approved exception for using incorrect ROR form
|
10/14/25 Initial and final grade is 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
|
|
409022246
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2996
|
Missing Trust Documents
|
No
|
Missing a copy of executed Trust Cert / Trust Docs in file.
|
10.20.2025 Client provided executed Certificate of Trust
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
|
|
409022257
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to increased Title Settlement from $XXX to $XXX on LE XXX with no valid reasons documented on COC XXX (rate lock doesn't increase Title fees).
Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/15/25 Client provided an Email explanation from the Lender explaining the borrower chose to change the program from VA to Conventional to save a large amount of money (removes
the XXX Funding Fee). All other programs reflect an $XXX title closing fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum
CFCFS1734: Borrower has significant time at current job
- xxx Comments: B1 has been on current job for XXX years
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves sourced. Months PITI Reserves (Qual Rate) XXX. Cash reserve $XXX Required: Subject:XXX months PITI + XXX months for one financed REO.
|
|
409022257
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER109
|
Cash Out Amount Exceeds Guidelines
|
No
|
Max cash out at XXX% LTV is XXX.Including unseasoned 2nd mortgage payoff / opened < XXX months ago, = Total Cash Out$XXX, exceeding guidelines.
|
10/10 Client provided an approved exception to allow the file with an LTV of XXX with cash out of $XXX
|
xxx final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum
CFCFS1734: Borrower has significant time at current job
- xxx Comments: B1 has been on current job for XXX years
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves sourced. Months PITI Reserves (Qual Rate) XXX. Cash reserve $XXX Required: Subject:XXX months PITI + XXX months for one financed REO.
|
|
409022259
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
File is missing an AUS approval required for the Redwood Sequoia AUS program.
|
9.25.2025 Client provided DU AUS #1 however appears the DU not supporting the 1003/1008 transaction. Example: REO of 1003 says PITIA of $XXX is included in DTI however DU have a
negative of -$XXX etc. Condition remains for (a). corrected updated DU supporting transaction and (b). lender 1008 in file appears to not reflect transaction due to loan amount of $XXX however loan amount is $XXX (c). if DU is correct and
rental income is being used for REO property, provide documentation to support the rental income or correct DU and include the full PITIA (REO shows full PITIA in DTI however DU have rental income being used). Provide a - c (above) and upon
review adjustment to rental income maybe required. Note: currently we are considering the full PITIA of the REO for an updated DTI of XXX% and DU #1 DTI is XXX% 10.1.2025 Client provided LOX stating, per Lender Documents uploaded for review.
Seller comment: This is the XXX Non AUS program. Manual underwriting is required and AUS finding are not considered. Response, updated DU #2 was provided dated XXX matching file transaction and file was reviewed to Select AUS, if file is non
AUS (per Lender comment) will need the following: (a). updated lock for re-review to correct program and (b). updated 1008 reflecting correct loan amount of $XXX (currently 1008 have loan amount of $XXX). Condition remains 10/7 Client
provided the AUS changing the loan to XXX , AUS no longer required; Provide corrected 1008 reflecting correct loan amount of $XXX (currently 1008 has loan amount of $XXX). 10/7 Client provided the corrected 1008
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
409022290
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Fico score XXX exceeds guide lines.
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years.
|
|||||||||||||||
|
409022294
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserve $XXX - or XXX -months PITI reserves exceed guidelines.
|
|||||||||||||||
|
409022304
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided
|
No
|
Zero tolerance in amount of $XXX due to added Survey fee $XXX in C. section with no service provider on SPL and decreased Lender's credit by $XXX on final CD XXX with no COC in
file to support it. Lender's credit of $XXX for tolerance cure was applied towards increased Appraisal. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that
includes tracking information.
|
10/03/2025 Client provided LOE stating the Survey fee was not required by Lender and the title was issued on a short form not requiring a survey. The Borrower requested the
Survey. Provide PCCD with survey fee moved to the H section for final testing of fees and LOE to Borrower. 10/06/2025 Client provided PCCD XXX with survey fee, not a Lender requirement, moved to H section. Retesting results in zero tolerance
of $XXX. Condition remains. Provide a valid reason for the decrease of Lenders Credit or PCCD with additional cure, Copy of cure check, LOE to Borrowers and evidence of of delivery via tracking. 10/10/25 Client provided a missing XXX COC
for the pricing adjustment/change for DTI due to increased insurance premium.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|
409022308
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing lenders ATR/QM status. Compliance in file does not provide the ATR/QM status.
|
10.8.2025 Client provided lender 1008 with stating Loan meets ATR/QM however did not provide a QM status. Condition remains for QM status 10.15.2025 Client provided Lender QM
Safe Harbor status
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves $XXX exceeds required reserves $XXX.
CFCFS2854: Significant time in profession
- xxx Comments: B1 has XXX years XXX month in same line of work. B2 has XXX months XXX year in same line of work.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative credit score XXX above program requirement XXX.
|
|
409022308
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing verification of rent to support full XXX mos. history. Only XXX mos. of rental history documented in file. Rental history to support XXX mos. 0x30 as required by
guidelines.
|
10.8.2025 Client provided XXX, XXX and XXX rent XXX receipt of $XXX(XXX months just started renting at this current) and provided XXX- XXX prior rent cancelled checks monthly $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves $XXX exceeds required reserves $XXX.
CFCFS2854: Significant time in profession
- xxx Comments: B1 has XXX years XXX month in same line of work. B2 has XXX months XXX year in same line of work.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative credit score XXX above program requirement XXX.
|
|
409022310
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|||||||||||||||
|
409022311
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|||||||||||||||
|
409022313
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance
department and TRID 2.0 revisions. Exception satisfied. Final Grade A
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score is below guideline minimum of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: B2 have been on current job for XXX years.
|
|
409022313
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided
|
No
|
Zero percent tolerance of $XXX due to added Tax Services fee in A. section on CD XXX with no COC in file. Lender's credit of $XXX for tolerance cure was applied towards increased
Credit Report. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
10/13/2025 Client provided PCCD XXX with additional cure, COC/LOE and evidence of in transit XXX label. Condition remains for copy of the of the cure check. 10/16/25 Client
provided a copy of the $XXX refund check.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score is below guideline minimum of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: B2 have been on current job for XXX years.
|
|
409022313
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR865
|
Missing proof of flood insurance in File
|
No
|
Missing Flood Insurance Policy
|
10.4.2025 Client provided Flood insurance policy for subject property
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score is below guideline minimum of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: B2 have been on current job for XXX years.
|
|
409022318
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support the appraisal value of $XXX. CU score is XXX.
|
10.22.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX total reserves required $XXX
|
|
409022336
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years with current employer.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|||||||||||||||
|
409022353
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves$XXX or XXX months PITI. XXX months required
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX % LTV
|
|||||||||||||||
|
409022366
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX Median XXX >128 points above guideline program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.
|
|
409022369
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
|
|
409022369
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Waived
|
C
|
B
|
C
|
B
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
$XXXX in reserve or XXX months PITI. XXX months required. Short $XXX in reserves.Guidelines require XXX months or $ XXX X XXX = $ XXX
|
9/30 Client provided an Email that Cash to close is $XXX, However on review, that amount includes the Gift which was already deposited to close $XXX; total cash required is $XXX,
and Total assets with gift are $XXX(Lender #'s agree)- $XXX- $XXX available for reserves; condition remains 10.6.2025 Client provided exception approval for short reserves
|
Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score XXX with XXX years in profession
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
|
|
409022370
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: Mortgage payment history shows no derogatory since account opening XXX.
|
|||||||||||||||
|
409022373
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor
|
10/19/2025 Client provided an exception approval for using incorrect ROR form
|
10/19/2025 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: B1 has bonus income documented in file per WVOE that was not used to qualify.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409022408
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Fico score XXXexceeds guide lines.
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years.
|
|||||||||||||||
|
409022410
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
|
|||||||||||||||
|
409023439
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX mo. 0x30 mortgage payment history; XXX required.
|
|||||||||||||||
|
409023449
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
2nd appraisal/ CDA fee for $XXX was added on LE XXX. COC dated XXX doesn't include a valid reasons for this fee being added. Condition is pending receiving a valid Change of
Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/09/2025 Client provided Lock confirming rate set date of XXX with no Change to rate or extension after. Investor change with CDA added due to Investors
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: XXX years, XXX months at current job.
|
|
409023464
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- xxx Comments: At job > XXX years
|
|||||||||||||||
|
409023469
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Fico score XXX exceeds guide lines.
|
|
409023470
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $XXX X XXX = $ XXX
|
|||||||||||||||
|
409023485
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per COC XXX & E Disclosure Tracking XXX, a revised LE was issued and received by borrowers on XXX. Disclosure is missing in file.
|
09/17/2025 Client provided missing LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI
|
|
409023485
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH122
|
Foreclosure history does not meet guidelines
|
No
|
xxx's Drive report shows XXX Pre Foreclosure on XXX.Report shows in both a Trust and by B1 and B2's name.Provide documentation reflecting the DOT / Note was only in Trust. May be
subject to additional conditions upon review.
|
10.3.2025 Client provided Lender LOX along with property profile verify this was sold as of 11.1.2024 by our borrower; no issue with foreclosure
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI
|
|
409023647
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX years at current residence.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Mortgage history reports XXX mos. 0x30.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves $XXX exceed required reserves $XXX.
|
|
409023650
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Missing list of homeowners counseling organizations
|
10/03/2025 Client provided the List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current business.
|
|
409023650
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Required Affiliate Business Disclosure
|
10/03/2025 Client provided an LOE stating that Lender does not have any ABA arrangements. Condition remains. Provide a signed letter of attestation on Company Letterhead.
10/08/2025 Client provided a signed attestation of no Affiliates.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current business.
|
|
409023650
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current business.
|
|
409023667
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Missing VOEs for both borrowers within XXX business days of note.
|
10.13.2025 Client provided VVOE for both borrowers dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS2854: Significant time in profession
- xxx Comments: B1 has XXX years in profession; B2 has XXX years, XXX months.
|
|
409023668
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
C
|
B
|
C
|
B
|
CRDCRMH2416
|
Questionable factors on credit report
|
No
|
B2 has Frozen credit with XXX. Per Guidelines this is required to be unfrozen and a current credit report with all bureaus unfrozen is required
|
10/22 Client provided an approved exception to allow the file with a Frozen CB
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Cash reserves of $XXX - or XXX -months PITI reserves exceed guidelines.
|
|
409023683
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Finance charge understated by $XXX due to Rush Fee not being included into APR calculation. Unable to source the reason for the additional $XXX excluded from the CD. XXX
calculations are only off by $XXX vs the internal testing. Condition is pending receiving refund to borrower, post consummation CD, copy of refund check, LOE and proof of delivery to borrower with tracking shipment
|
10/09/25 Client provided a XXX PCCD, LOE, $XXX refund check and shipping label. Condition remains. The exception triggered for a $XXX refund, not $XXX. Additionally, tracking
shows only the label has been created (not shipped). Borrower is due an additional $XXX refund check and provide the proof of delivery via Tracking for both the $XXX and new $XXX refund checks.10/20/2025 Client provided proof of delivery on
XXX for 1st refund and delivery on XXX however is missing the documents delivered on that date. Provide PCCD with additional $XXX cure, copy of cure check and LOE to Borrower. 10/21/25 Client provided the additional $XXX refund check, LOE
and XXX PCCD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: B1 has XXX years with current employer, B2 has XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409023683
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed
|
No
|
Finance charge understated by $XXX due to Rush Fee not being included into APR calculation (this is causing the Amount Financed to be overstated by $XXX) Unable to source the
reason for the additional $XXX excluded from the CD. XXX calculations are only off by $XXX vs the internal testing. Condition is pending receiving refund to borrower, post consummation CD, copy of refund check, LOE and proof of delivery to
borrower with tracking shipment.
|
10/07/25 Client provided VOEs. Condition remains. Borrower is due a refund check of $XXX, corrected PCCD/Detailed LOE and proof of delivery that includes tracking.10/09/25 Client
provided a XXX PCCD, LOE, $XXX refund check and shipping label. Condition remains. The exception triggered for a $XXX refund, not $XXX. Additionally, tracking shows only the label has been created (not shipped). Borrower is due an additional
$XXX refund check and provide the proof of delivery via Tracking for both the $XXX and new $XXX refund checks.10/20/2025 Client provided proof of delivery on XXX for 1st refund and delivery on XXX however is missing the documents delivered on
that date. Provide PCCD with additional $XXX cure, copy of cure check and LOE to Borrower. 10/21/25 Client provided the additional $XXX refund check, LOE and XXX PCCD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: B1 has XXX years with current employer, B2 has XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409023683
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Provided VVOE dated within XXX days of the Note date for B1.
|
10.6.2025 Client provided VVOE dated XXX for B1 (within XXX business days of Note)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: B1 has XXX years with current employer, B2 has XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409023683
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Provide income documentation required to verify qualifying income. B1: income was verified through DU, provide XXX report ID #XXX.B2: provide prior year (2024) W2.May be subject
to additional conditions upon review.
|
10.6.2025 Client provided XXX Written VOE dated XXX that DU used report ID#XXX covering YTD 2025 and prior two years income documentation
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: B1 has XXX years with current employer, B2 has XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409023683
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA. CU Score in file 3.3, guideline requires 2.5 and below.
|
10.6.2025 Client provided some income documentation however no CDA was provided. Condition remains for 3rd party CDA valuation 10.13.2025 Client provided 3rd party CDA valuation
supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: B1 has XXX years with current employer, B2 has XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409023742
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years with current employer.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score o f XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX required reserves are $XXX.
|
|||||||||||||||
|
409023743
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX % LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min 660.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX % DTI; max XXX %.
|
|||||||||||||||
|
409023766
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX%DTI below guideline requirement of XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.
|
|||||||||||||||
|
409023774
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2704
|
RESPA - List of homeowners counseling organizations not compliant
|
No
|
Per Document Tracker HOC list was issued to primary XXX. HOC list not provided. Missing List of homeowners counseling organizations
|
10/23/25 Client provided the 7/8 full HC List.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X 18 = $ XXX+ XXX Months for Additional REO or $ XXX X 6 = $ XXX
|
|
409023774
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
RESPA: Required Affiliate Business Disclosure or FACTS sheet missing.
|
10/23/25 Client provided a signed LOE from Lender stating they no longer have any affiliated business relationships as of 12/31/24.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X 18 = $ XXX+ XXX Months for Additional REO or $ XXX X 6 = $ XXX
|
|
409023792
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
Missing evidence of e-consent for the borrower and co-borrower.
|
10/14/25 Client provided the full Initial Disclosures package, including the docusign reflecting the E-Consents, and the Initial CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITI in reserves.
|
|
409023792
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
Missing evidence of e-consent for the borrower and co-borrower.
|
10/14/25 Client provided the full Initial Disclosures package, including the XXX reflecting the E-Consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITI in reserves.
|
|
409023792
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
The appraisal in file was for the original purchase transaction. Use of a prior appraisal, regardless of the date of the prior appraisal, is not allowed. Provide new full
appraisal for subject refinance transaction with application date of XXX, supporting $XXX.
|
10.21.2025 Client provided exception approval to allow for original appraisal with value of $XXX dated XXX from Purchase transaction and with file having 1004D verifying no
declining in value since original appraisal
|
Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, LTV XXX% with XXX months reserves
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITI in reserves.
|
|
409023792
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide updated valuation on the new appraisal (not yet in file)The current appraisal is from the prior transaction (not allowed), and the CU score is based on that
appraisal.Value not yet supported.May be subject to additional conditions upon review.
|
10.21.2025 Client provided exception approval to allow for original appraisal with value of $XXX dated XXX from Purchase transaction and with file having 1004D verifying no
declining in value since original appraisal and to allow for CU Score 1.5 from the Original appraisal supporting value.
|
Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, LTV XXX% with XXX months reserves
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITI in reserves.
|
|
409023793
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: Borrower has XXX months mortgage payment history 0x30
|
|
409023797
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX ; total reserves required $XXX.
|
|
409023806
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min 660.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; max XXX%.
|
|
409023808
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance
department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrows have been living at current residence for XXX years.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current job
|
|
409023808
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due increased Transfer Tax fee on LE XXX. COC XXX indicates a loan mount increase which is incorrect as starting loan amount on LE XXX is $XXX and
decreased to $XXX on LE XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/13/25 Client provided a XXX PCCD with cure, LOE, refund check and proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrows have been living at current residence for XXX years.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current job
|
|
409023820
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExcess requirement for subject and primary residence
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
|
|
409023866
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Missing Printout of 3rd party Verification for XXX
|
10.7.2025 Client provided SOS for XXX dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|
409023926
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- xxx Comments: Borrower's revolving credit utilization ratio is XXX %.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrower has had timely mortgage payment history.
CFCFS2860: Good credit history
- xxx Comments: Borrower has had no derogatory or delinquent credit history.
|
|||||||||||||||
|
409023942
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers statement document. Consistent with the XXX we are satisfying to 1/A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX % LTV; XXX % max allowed.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX total reserves required $XXX
|
|
409023962
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Missing VVOE for the following self-employed businesses:Schedule C > XXXSchedule C > XXXSchedule C > XXX*VVOE received for XXX
|
10.13.2025 Client provided LOX stating, SOS located in file for XXX and XXX was dissolved, docs uploaded. Response, no document upload found, please re-send. 10.14.2025 Client
provided SOS verifying The XXX (dissolved) and provided SOS forXXX dated XXX(active) and income is being used for XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has been at current residence for XXX years.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has >XXX years at current job
|
|
409023963
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX As the fees are at least reflected there is no material issue. This exception is informational
per xxx Compliance department and TRID 2.0 revisions.
|
(No Data)
|
Exception satisfied. Final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS2854: Significant time in profession
- xxx Comments: B1 has XXX years, XXX month in profession; B2 has XXX years.
|
|
409023963
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
10/15/2025 Client provided missing XXX Initial CD. Evidence of delivery and accepted e-consent in file page 448.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS2854: Significant time in profession
- xxx Comments: B1 has XXX years, XXX month in profession; B2 has XXX years.
|
|
409023963
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing Initial CD. Per XXX and XXX Process Summary in file, initial CD dated XXX was issued/sent to borrowers. CD is missing.
|
10/15/2025 Client provided missing XXX Initial CD. Evidence of delivery and accepted e-consent in file page 448.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS2854: Significant time in profession
- xxx Comments: B1 has XXX years, XXX month in profession; B2 has XXX years.
|
|
409023972
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrowers have XXX months of 0x30 on current mortgage
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Required Reserves: $XXX Verified $XXXSubject: $XXX x 12 = $XXXXXX XXX : $XXX x 3 = $XXXXXX XXX: $XXX x 3 = $XXX
|
|
409023975
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITI in reserves.
|
|||||||||||||||
|
409024002
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Provide 2024 W2 to
verify Borrowers W2 earnings have not decreased.
|
10.8.2025 Client provided 2024 w2 due to 2024 is under extension and using average of 2024 w2/k1 monthly income is $XXX vs 2023/2022 average of $XXX; if consider lower average
will still be < XXX% even though income declined
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXREO: $XXX x XXX = $XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for over XXX years
|
|
409024002
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide 2024 W2 to verify Borrowers W2 earnings have not decreased.
|
10.8.2025 Client provided 2024 w2 due to 2024 is under extension and using average of 2024 w2/k1 monthly income is $XXX vs 2023/2022 average of $XXX; if consider lower average
will still be < XXX% even though income declined
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXREO: $XXX x XXX = $XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for over XXX years
|
|
409024002
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Property
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAPROP111
|
Legal Nonconforming w/out Rebuild Letter
|
No
|
Missing Legal Non Conforming ok to rebuild statement from appraisal.
|
10.8.2025 Client provided updated appraisal with appraiser comment can be rebuilt if destroyed
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXREO: $XXX x XXX = $XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for over XXX years
|
|
409024004
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX score exceeds XXX Min
CFCFS1736: Significant time at current residence
- xxx Comments: XXX years at current home
|
|||||||||||||||
|
409024005
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds minimum guideline credit score of XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: LTV of XXXV % is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX required reserves are $XXX
|
|||||||||||||||
|
409024046
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXXrequired.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX; total required $XXX.
|
|
409024047
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with the same lender. Incorrect H8 ROR form was provided to borrower instead of H9 form
|
10/9/25 Client provided an approved exception for using incorrect ROR form
|
10/9/25 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409024070
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX % DTI; XXX % max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|||||||||||||||
|
409024079
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves$XXX or XXX months PITI. XXX months required
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI
|
|
409024088
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guidelines minimum of XXX.
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: WVOE reflect bonus income not being used to qualify.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX%.
|
|||||||||||||||
|
409024190
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.
|
(No Data)
|
Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit 680 Guidelines allow XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXXMonths
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX
|
|
409024245
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in the same profession for XXX years.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX % LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX *12= $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX
|
|||||||||||||||
|
409024246
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3274
|
Mortgage/Deed in file is incomplete
|
No
|
MTG missing the last pg 15
|
09/29/25 Client provided a DOT belonging to a different Borrower/Property. Condition remains. Provide the complete copy of the subject Mortgage/DOT.09/30/2025 Client provided the
Deed Of Trust dated XXX missing Notary page. Condition remains. Provide the complete DOT, fully executed and including the Notary page with correct Legal Description. 10/03/2025 Client provided the complete, fully executed Mortgage with
legal description.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; XXX% max allowed.
|
|
409024246
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC806
|
Notary Status is missing
|
No
|
Missing final page of mortgage with executed Notary Status
|
09/29/25 Client provided a DOT belonging to a different Borrower/Property. Condition remains. Provide the complete copy of the subject Mortgage/DOT.09/30/2025 Client provided the
Deed Of Trust dated XXX missing Notary page. Condition remains. Provide the complete DOT, fully executed and including the Notary page with correct Legal Description. 10/03/2025 Client provided the complete, fully executed Mortgage with
legal description.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; XXX% max allowed.
|
|
409024389
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with employer XXX years.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX % CLTV below guideline requirements of XXX % per program.
|
|||||||||||||||
|
409024407
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower has XXX years XXX months at current employer.
|
|||||||||||||||
|
409024471
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
|
No
|
XXX percent tolerance in amount of $XXX due to increased Title Lender's Policy fee on CD XXX with no valid COC in file. As payee is selected from SPL in file, fee, along with
other title fees in B. section and recording fee in E. section, is tested for 10% violation. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes
tracking information.
|
10/03/2025 Client provided duplicate PCCD XXX with COC XXX reflecting Lenders title Ins. fee to show seller paid. Duplicate PCCD in original file.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXXX*12= $XXXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; max XXX%.
|
|
409024478
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide B2 2023 W2
|
10.21.2025 Client provided 2023 w2 transcript for B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX, all liquid.Required:XXX liquid, per asset depletion guides,Met.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV
|
|
409024489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrower reserves exceed the requirement.
|
|
409024492
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor. As per Note for prior loan, the creditor was also XXX
|
10/15/25 Client provided an approved exception for the incorrect ROR form type.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: Qualifying LTV XXX% below program maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves $XXX exceed $XXX required.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: B1 has XXX years XXX months at current job.
|
|
409024493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX score exceeds 660 min
CFCFS1736: Significant time at current residence
- xxx Comments: XXX years XXX months at current home
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Assets verified for reserve $XXX or XXX months PITIA and required is XXX months plus XXX months for 1 REO
|
|
409024493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Appraisal Desk Review $XXX added to LE XXX section B. COC issued XXX does not list fee amount or give sufficient details as to why fee was added. No cure provided on final or Post
CD. Condition pending receipt detailed COC with fee addition validated or additional Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery.
|
10/14/2025 Client provided COC XXX reflecting loan locked, rate, program, loan amount and fees changed along with a Duplicate XXX LE. Condition remains. Provide a valid reason
why the Appraisal review fee was added for review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 10/20/2025 Client provided an LOE reflecting On XXX, the loan program was changed from a C30 to
J30 Preferred Express. The Investor/program specific fees were updated per the seller Guidelines and disclosed to the Borrower on the LE and COC issued on XXX. Also provided LE XXX, COC, program change email and Initial Lock Agreement
showing the change from the previous program.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX score exceeds 660 min
CFCFS1736: Significant time at current residence
- xxx Comments: XXX years XXX months at current home
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Assets verified for reserve $XXX or XXX months PITIA and required is XXX months plus XXX months for 1 REO
|
|
409024494
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX =$ XXX
|
|
409024496
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: ASSETSPost Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months + XXX for XXX = XXX, or $ XXX X XXX = $ XXX+ XXX Months for Additional REO
or $ XXX X XXX =$ XXX
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score
|
|
409024501
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Waived
|
C
|
B
|
C
|
B
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Loan Amount requires XXX months PITI, $XXX x XXX = $XXX. Borrowers reserves $XXX; required reserves short $XXX. Provide additional asset statements, meeting guidelines, supporting
Borrowers ha required reserves. May be subject to additional conditions upon review.
|
10/14 Client provided an approved exception to allow the file with $XXX verified reserves
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline requirement of XXX%.
CFCFS1749: Additional documented income not used in qualifying
- xxx Comments: Borrower receives Bonus that has not been used in qualifying.
CFCFS2854: Significant time in profession
- xxx Comments: B2 XXX years same line of work
|
|
409024502
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX CLTV below guideline requirements of XXX% per program.
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
|
|||||||||||||||
|
409024505
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of B2 XXX month VOE and B2 updated NON PRA docs
|
10/17 Client provided an exception to allow the file with XXX year H4 and work history less than XXX years
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is above minimum program requirement of XXX
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower1 has XXX years in line of work
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower2 has XXX years in line of work
|
|
409024505
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Application
|
Waived
|
D
|
B
|
D
|
B
|
CRDAPP3822
|
Missing or incomplete documentation related to citizenship/residency
|
No
|
B2 is an employed Non Permanent Resident Alien.Note date XXXIn file:a H4 Visa issued XXX , expired XXXb. I-797A for H4, Valid from XXX - XXXProvide renewal application / document
for H4 covering XXX - XXX.May be subject to additional conditions upon review.
|
10/17 Client provided an approved exception to allow the file with H4 valid XXX year
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is above minimum program requirement of XXX
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower1 has XXX years in line of work
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower2 has XXX years in line of work
|
|
409024505
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
B2 is Non Permanent Resident Alien. Per guidelines:Borrower must have a current XXX (XXX) month employment history in the USProvide prior VOE from XXX - XXX, meeting above.May be
subject to additional conditions upon review.
|
10/17 client provided an approved exception to allow the file with H4 valid XXX year
|
xxx final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is above minimum program requirement of XXX
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower1 has XXX years in line of work
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Borrower2 has XXX years in line of work
|
|
409024506
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Waived
|
D
|
B
|
D
|
B
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing proof of receipt of B1 IRA distribution of $XXX and B2 IRA distribution of $XXX for XXX months as required by guidelines. Documents in file to do support receipt of the
distributions at the level used to qualify. B1 IRA statement does not reflect any distributions. B2 IRA statement does not support distribution at level of $XXX per month. Letter in file referencing the IRA distributions are not dated and
the asset statements in file with end dates XXX do not reflect receipt of the distributions used to qualify. Guidelines indicate that the distributions cannot be set up or changed solely for loan qualification purposes.
|
10/17 Client provided an exception to allow the file without evidence of distributions set up; (Assets are verified)
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years XXX months at current residence.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative score XXX above minimum required XXX.
|
|
409024506
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX As the fees are at least reflected there is no material issue. This exception is informational
per xxx Compliance department and TRID 2.0 revisions, corrected on PCCD XXX.. Exception satisfied. Final Grade A.
|
(No Data)
|
SAtisfied
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years XXX months at current residence.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative score XXX above minimum required XXX.
|
|
409024506
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Assets
|
Waived
|
C
|
B
|
C
|
B
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Missing complete copy second consecutive statement for XXX XXX to support assets used to qualify. Only statement with end date XXX in file. Any large deposits must be explained
and documented. Without use of XXX asset loan short reserves $XXX.
|
10/17 Client provided an exception to allow the file with XXX month asset statement
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years XXX months at current residence.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative score XXX above minimum required XXX.
|
|
409024506
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Assets
|
Waived
|
D
|
B
|
D
|
B
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing complete copy second consecutive statement for XXX XXX to support assets used to qualify. Only statement with end date XXX in file. Any large deposits must be explained
and documented.
|
10/17 Client provided an exception to allow the file with XXX month asset statement
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years XXX months at current residence.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative score XXX above minimum required XXX.
|
|
409024506
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH118
|
Mortgage/rental lates exceed guidelines
|
No
|
Mortgage late 1x30 in 1/2025 exceeds program requirement of most recent 24 mos. 0x30.
|
10/17 Client provided an exception to allow the file with 1x30 on the mortgage in last 12 months
|
xxx final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years XXX months at current residence.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative score XXX above minimum required XXX.
|
|
409024506
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
1. Missing proof of receipt of B1 IRA distribution of $XXX and B2 IRA distribution of $XXX for XXX months as required by guidelines. Documents in file to do support receipt of
the distributions at the level used to qualify. B1 IRA statement does not reflect any distributions. B2 IRA statement does not support distribution at level of $XXX per month. Letter in file referencing the IRA distributions are not dated
and the asset statements in file with end dates XXX do not reflect receipt of the distributions used to qualify. Guidelines indicate that the distributions cannot be set up or changed solely for loan qualification purposes.
|
10/17 Client provided an exception to allow the file without evidence of distributions set up; (Assets are verified)
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years XXX months at current residence.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative score XXX above minimum required XXX.
|
|
409024509
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower at current employment XXX years
|
|
409024510
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
|
No
|
1. Missing 2024 1120S extension to IRS. Only extension located in file was for the 1040.2. Missing 2025 and 2024 P&L for B1 XXX. B1 qualified using 2023 returns.
|
10/21 client provided the extension and provided an exception for the P&Ls
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative credit score XXX above program requirement XXX.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Mortgage history reports XXX mos. 0x30, XXX mos. 0x30 and XXX mos. 0x30.
|
|
409024510
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative credit score XXX above program requirement XXX.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Mortgage history reports XXX mos. 0x30, XXX mos. 0x30 and XXX mos. 0x30.
|
|
409024510
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Waived
|
D
|
B
|
D
|
B
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing third consecutive asset statement for business account with XXX XXX and XXX used to qualify. Only XXX months in file with guidelines requiring XXX months. Any large
deposits must be explained and documented per guidelines.
|
10/21 Client provided an approved exception to allow the file with XXX months BUS asset statements
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative credit score XXX above program requirement XXX.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Mortgage history reports XXX mos. 0x30, XXX mos. 0x30 and XXX mos. 0x30.
|
|
409024510
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing 2024 1120S extension to XXX. Only extension located in file was for the 1040.
|
10/21 Client provided the 1120s extension 2024
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative credit score XXX above program requirement XXX.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Mortgage history reports XXX mos. 0x30, XXX mos. 0x30 and XXX mos. 0x30.
|
|
409024510
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC3258
|
Missing Profit and Loss statement for one or more Self Employed borrowers
|
No
|
Missing 2025 and 2024 P&L for B1 self-employment. B1 qualified using 2023 returns.
|
10/21 client provided an approved exception to allow the file without the P&Ls (file has XXX years 1040s)
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Representative credit score XXX above program requirement XXX.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Mortgage history reports XXX mos. 0x30, XXX mos. 0x30 and XXX mos. 0x30.
|
|
409024511
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: XXX years on job
CFCFS1736: Significant time at current residence
- xxx Comments: XXX years XXX months at current home
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX score with XXX min
|
|||||||||||||||
|
409024512
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Fico score XXX exceeds guide lines.
|
|||||||||||||||
|
409024513
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been with current employer since XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.
|
|
409024514
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guidelines maximum of XXX%
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
|
|
409024517
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current employer.
|
|
409024517
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Waived
|
C
|
B
|
C
|
B
|
CRDDTI187
|
Debt Ratio > 60%
|
No
|
Guideline caps RSU income at XXX% of borrower base. Lender used 2024 vested shares XXX x XXX = $XXX this moves the DTI from XXX and XXX to XXX and XXX. Borrower base $XXX/XXX =
$XXX + RSU (XXX+XXX=XXX* XXX/XXX= $XXX capped at XXX% base becomes $XXX. DTI ( primary $XXX+ consumer $XXX + REOS $XXX = XXX /(Base $XXX+ $ XXX =XXX) = XXX.
|
10/21 client provided an approved exception to allow Lender GLs to calculate RSU at $XXX without the XXX% cap
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years at current employer.
|
|
409024518
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX score XXX exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX% is below guide line maximum of XXX%.
|
|
409024519
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor instead of H9 ROR form. As per the title report in file, loan originated with the same lender.
|
10/17/25 Client provided an approved exception for using incorrect ROR form
|
10/17/25 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- xxx Comments: Borrower has had no late or delinquent credit history.
CFCFS5269: Minimal use of credit
- xxx Comments: Borrower's credit utilization ratio is XXX%.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrower has had timely mortgage payments.
|
|
409024520
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Fico score XXX exceeds guide lines.
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments: Co-borrower has stable employment with XXX years at current job.
|
|||||||||||||||
|
409024629
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to XXX.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
|
|
409024634
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to XXX.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrower has XXX months PITI in reserves.
|
|
409024636
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
The Final Closing Disclosure does not reflect all the required Seller paid closing fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX % LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX % DTI is below the maximum allowed DTI of XXX%.
|
|
409024636
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
File is missing a verbal Verification of Employment (VVOE) performed no more than ten (XXX business days prior to the Note date for borrower's secondary employment.
|
10/23 Client provided an approved exception to allow the VVOE dated 1 day post close
|
Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX % LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above the minimum required score of XX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX % DTI is below the maximum allowed DTI of XXX%.
|
|
409025113
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has been XXX in the same business for XXX years.
CFCFS1736: Significant time at current residence
- xxx Comments: Borrower has lived at the same residence for XXX years.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX reserves; $XXX + REOs $XXX= $XXX reserves required.
|
|||||||||||||||
|
409025117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR2300
|
Missing Second Appraisal required per guidelines
|
No
|
The CDA's value exceeds XXX% tolerance XXX%. Further value support is required by either a Value Reconciliation from XXX, Field Review, or 2nd full Appraisal supporting $XXX.
|
10/15 Client provided a field review supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
|
|
409025117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Value
|
Satisfied
|
C
|
A
|
C
|
B
|
PRVAVALU5249
|
Property Value Not Supported
|
No
|
The CDA's value exceeds XXX% tolerance XXX%. Further value support is required by either a Value Reconciliation from XXX, Field Review, or 2nd full Appraisal supporting $XXX.
|
10/15 Client provided a field review supporting the appraised value
|
satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
|
|
409025123
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in current profession for XXX years.
CFCFS1739: Postive mortgage payment history
- xxx Comments: Borrower has had timely mortgage payments.
CFCFS2860: Good credit history
- xxx Comments: Borrower has had no major delinquency or derogatory credit history.
|
|||||||||||||||
|
409025181
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Initial CD XXX is not signed and there is no evidence in file of when it was delivered to borrower. Product not disclosed at least three day prior to closing date.
|
10/22/25 Client provided the full Disclosure Tracking Summary and Details confirming receipt on 10/6.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in same line of work for XXX years.
|
|
409025181
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD dated 1XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD.
|
10/22/25 Client provided the full Disclosure Tracking Summary and Details confirming receipt on 10/6.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in same line of work for XXX years.
|
|
409025181
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Inspection Fees were added to CD XXX without a COC in file. Condition pending receiving a valid Change of Circumstances or Post CD
reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
10/22/25 Client provided a missing 9/18 COC and Revised 9/23 LE with Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in same line of work for XXX years.
|
|
409025181
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are
selected
|
No
|
CD XXX loan disclosure section will not have an escrow account, neither option was chosen "You declined it and/or Your lender does not offer one Condition is pending LOX with
corrected PCD to borrower.
|
10/22/25 Client provided an LOE to borrower and corrected 10/22 PCCD.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in same line of work for XXX years.
|
|
409025309
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years XXX months at current employer.
|
|
409025742
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance
department and TRID 2.0 revisions.
|
(No Data)
|
Exception satisfied. Final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX credit score exceed guideline minimum of XXX.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% LTV is below guideline maximum of XXX %.
|
|
409025754
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing evidence of XXX months rental history 0x30
|
10/23/25 Upon further review Sr xxx UW determined that The lack of documented housing history where one exits (missing VOR only) is non material due to the following
compensating factors: credit score exceeds guidelines and DTI below guideline requirement.
|
Final grade of B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI XXX %
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score XXX
|
|
409025938
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Fico score XXX exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has stable employment with XXX years at current job.
|
|
409025942
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have been at current residence for over XXX years.
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has been in current profession for XXX years.
CFCFS2860: Good credit history
- xxx Comments: Borrowers have had no late or delinquent credit history.
|
|
409025948
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $XXX X XXX = $ XXX
|
|||||||||||||||
|
409025952
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|||||||||||||||
|
409025954
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
The Final Closing Disclosure does not reflect all the required Seller paid closing fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
|
|
409025992
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: B1 has XXX years at current job.
CFCFS1737: LTV below guideline requirements
- xxx Comments: Qualifying LTV XXX% below program maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves $XXX exceeds required reserves $XXX.
|
|||||||||||||||
|
409026036
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- xxx Comments: Borrowers have XXX years at current residence.
CFCFS1737: LTV below guideline requirements
- xxx Comments: Qualifying LTV XXX% below program maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves $XXX exceed required reserves $XXX.
CFCFS2854: Significant time in profession
- xxx Comments: Both borrowers have XXX years in same line of work.
|
|||||||||||||||
|
409026059
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR from was used for refinance with the same lender instead of H9 ROR form.
|
10/20/2025 Client provided an approved exception for using incorrect ROR form
|
10/20/2025 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Verified reserves of $XXX; total reserves required $XXX
|
|
409026146
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX DTI
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: $XXX. Reserves requirement met
|
|||||||||||||||
|
409026147
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to XXX.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers reserves exceed the amount required.
|
|
409026149
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrower has XXX years with current employer, XXX years in the same field.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|||||||||||||||
|
409026150
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITIA.
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.
|
|
409026159
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per Title commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form.
|
10/20/25 Client provided an approved exception for using incorrect ROR form
|
10/20/25 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.
CFCFS1744: DTI below guideline requirement
- xxx Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Borrowers have XXX months PITI in reserves.
|
|
409026214
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- xxx Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX3 = $ XXX
|
|||||||||||||||
|
409026259
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- xxx Comments: Borrowers have XXX years in current jobs, XXX and XXX years in the same field.
CFCFS1741: Credit score exceeds guidelines
- xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX
CFCFS1744: DTI below guideline requirement
- xxx Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
Client Name:
|
||||
|
Client Project Name:
|
SEMT 2025-12
|
|||
|
Start - End Dates:
|
6/29/2025 - 10/23/2025
|
|||
|
Deal Loan Count:
|
226
|
|||
|
Conditions Report 2.0
|
||||
|
Loans in Report:
|
226
|
|||
|
Loans with Conditions:
|
160
|
|||
|
Loan Number
|
TRID Indicator
|
Lender Application Date
|
Broker Application Date
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Did Lender Acknowledge Exception at Origination
|
|
409012270
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409013133
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
No
|
|
409014194
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409014895
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Not Applicable
|
|
409015113
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409015452
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409017012
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409017039
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409017214
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409017450
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409017736
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409017743
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409017778
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409017949
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409018429
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409018459
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409018461
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409018525
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409018531
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409018533
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409018573
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409018581
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409018588
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
No
|
|
409018736
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409018745
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409018760
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
No
|
|
409018916
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409018917
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409018935
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
No
|
|
409018936
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409018977
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409019169
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409019387
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
409019397
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
No
|
|
409019456
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409019478
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
B
|
B
|
Not Applicable
|
|
409019486
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409019488
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409019490
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409019499
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409019538
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409019568
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409019599
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
Not Applicable
|
|
409020628
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409020642
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409020651
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409020653
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409020674
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
No
|
|
409020693
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409020696
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409020701
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409020704
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409020722
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409020733
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409020757
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409020811
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409020812
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409020845
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409020849
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409020987
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409020996
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
409021007
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409021015
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021107
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021108
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
No
|
|
409021116
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021118
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409021136
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409021140
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409021164
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021167
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021180
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409021199
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021204
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021205
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
No
|
|
409021221
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021226
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409021237
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409021260
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409021293
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409021299
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021601
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021602
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021603
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021608
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409021655
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409021659
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409021666
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409021689
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021697
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021703
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021711
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409021712
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021717
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409021724
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409021732
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021734
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409021743
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021747
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021764
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021767
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409021774
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409021778
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021784
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021791
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409021800
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409021803
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021804
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409021806
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021828
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409021871
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409022090
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022097
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022100
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022106
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022143
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
No
|
|
409022144
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
No
|
|
409022147
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022148
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022233
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022246
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409022257
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409022259
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022290
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022294
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022304
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409022308
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409022310
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022311
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022313
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409022318
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409022336
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409022353
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022366
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022369
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022370
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022373
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409022408
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409022410
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023439
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023449
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409023464
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409023469
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023470
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023485
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409023647
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409023650
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
No
|
|
409023667
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023668
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023683
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Not Applicable
|
|
409023742
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409023743
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023766
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023774
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
409023792
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
Not Applicable
|
|
409023793
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023797
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023806
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023808
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409023820
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409023866
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023926
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409023942
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023962
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409023963
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409023972
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409023975
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024002
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
No
|
|
409024004
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024005
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024046
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024047
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409024070
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024079
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024088
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024190
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024245
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024246
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409024389
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024407
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409024471
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409024478
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409024489
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409024492
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
No
|
|
409024493
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409024494
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024496
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024501
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024502
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024505
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
No
|
|
409024506
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
No
|
|
409024509
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409024510
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
No
|
|
409024511
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Yes
|
|
409024512
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024513
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024514
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024517
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
No
|
|
409024518
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024519
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
No
|
|
409024520
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024629
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024634
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409024636
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409025113
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409025117
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Not Applicable
|
|
409025123
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409025181
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409025309
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409025742
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409025754
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
No
|
|
409025938
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409025942
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Yes
|
|
409025948
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409025952
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409025954
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409025992
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409026036
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409026059
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409026146
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409026147
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409026149
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409026150
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409026159
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409026214
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409026259
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|