Exhibit 99.9
| Exception Grades | |||||||||||||||||||||||||||||||||||||||||||||||
| Run Date - 2/10/2026 6:01:11 PM | |||||||||||||||||||||||||||||||||||||||||||||||
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 225033146 | 3158621810 | 35724279 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer
Comment (2026-02-05): e-consent information received Buyer Comment (2026-02-05): Please review uploaded initial 1003 e-signed by both borrowers. Section 6 contains verbiage in upper right hand corner of page 5 of 14 "if this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable Federal and/or state electronic transaction laws." |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033149 | 3158621814 | 35694232 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial CD is signed by the borrowers [Redacted] and [Redacted] which was not at least 3 business days prior to closing. | Reviewer
Comment (2026-02-04): CD signed 3 business days before closing Buyer Comment (2026-02-04): Do not concur. Initial CD signed on [Redacted] by co-borrower is 3 business days prior to signing of final CD on [Redacted]. Only 1 borrower required to sign to meet timing requirement. |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225033149 | 3158621814 | 35694233 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Services Sales Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - Services Sales Tax Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer
Comment (2026-02-05): fee disclosed properly with no cure required Buyer Comment (2026-02-05): Do not concur. Initial LE disclosed cumulative title insurance for $[Redacted]. Page 4 of 21 of uploaded Title policy reflects $[Redacted] for title insurance premium and $[Redacted] for sale tax on insurance. Final LE and PCCD broke fees into separate amounts, but $[Redacted] + $[Redacted] = $[Redacted] is less than $[Redacted] threshold initially disclosed. Please remove citing as aggregate disclosed on initial LE where borrower could shop is greater than total of fees on PCCD. Reviewer Comment (2026-02-05): [Redacted] received rebuttal. However, the inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-02-04): Do not concur. Loan should not be reviewed at [Redacted]% tolerance, but [Redacted]% for title fees. Applicable fees on LE ($[Redacted] + $[Redacted] + $[Redacted] + $[Redacted]) total $[Redacted]. [Redacted]% is $[Redacted]. Applicable fees on PCCD ($[Redacted] + $[Redacted] + $[Redacted] + $[Redacted]) total $[Redacted], which is $[Redacted] under tolerance threshold. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033149 | 3158621814 | 35694234 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - Settlement / Closing / Escrow Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer
Comment (2026-02-05): fee was property disclosed between section B and C. Buyer Comment (2026-02-05): Do not concur. Borrower was disclosed a Title Settlement fee $[Redacted] at initial application therefore borrower did not exceed the allowable threshold tolerance for Settlement fee $[Redacted] charged at closing. Please cancel exception. The baseline amount is not $[Redacted]. $[Redacted] was reflected on [Redacted] LE in section C and transferred to section B on [Redacted] LE. Fee is listed on [Redacted] PCCD twice, once for $[Redacted] paid by borrower which does not violate the [Redacted]% tolerance from LE and once for $[Redacted] paid by Seller which is not held to a tolerance test. Reviewer Comment (2026-02-05): [Redacted] received rebuttal. However, the inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-02-04): Do not concur. Initial LE dated [Redacted] disclosed $[Redacted] for TITLE - SETTLEMENT/CLOSING FEE. The [Redacted] PCCD reflects $[Redacted] TITLE - SETTLEMENT/CLOSING FEE. A separate fee listed as TITLE - SELLER SETTLEMENT/CLOSING was paid by Seller. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033149 | 3158621814 | 35699995 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Review Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer
Comment (2026-02-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final
CD) resulting in a cleared exception." Buyer Comment (2026-02-04): Do not concur. Initial LE dated [Redacted] disclosed $[Redacted] (not $[Redacted]) for APPRAISAL REVIEW FEE. The [Redacted] PCCD reflects $[Redacted] (not $[Redacted]) APPRAISAL REVIEW FEE. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033149 | 3158621814 | 35699996 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Tax Service Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer
Comment (2026-02-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final
CD) resulting in a cleared exception." Buyer Comment (2026-02-04): Do not concur. Sufficient cure exists. $[Redacted] cure on [Redacted] PCCD less $[Redacted] needed for increase of PURCHASE REVIEW FEE from $[Redacted] to $[Redacted] leaves $[Redacted] to cure this citing. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033153 | 3158621823 | 35696944 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer
Comment (2026-02-04): proof of appraisal delivery received Buyer Comment (2026-02-04): Please review uploaded proof of appraisal delivery. |
02/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033153 | 3158621823 | 35696945 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer
Comment (2026-02-04): proof of appraisal delivery received Buyer Comment (2026-02-04): Please review uploaded proof of appraisal delivery. |
02/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033158 | 3158621831 | 35693843 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer
Comment (2026-02-09): acceptable HOI coverage now in file Buyer Comment (2026-02-09): Please review upload reflecting additional $[Redacted] coverage for additional structures. Cost Approach to Value on 1004 includes Add. Features and Garage/Carport totaling $[Redacted] in replacement cost estimate. Buyer Comment (2026-02-09): Please review uploaded dispute document from Correspondent indicating replacement cost coverage. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033158 | 3158621831 | 35693879 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | This file was missing loan payoff statement | Reviewer
Comment (2026-02-09): payoff statement received Buyer Comment (2026-02-09): Please review uploaded payoff statement reflecting no prepayment penalty. |
02/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033164 | 3158621839 | 35690539 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-01-30): Sufficient Cure Provided At Closing |
01/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033165 | 3158621840 | 35710574 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033172 | 3158621851 | 35719615 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | Most
Recent Valuation Inspection Date: ___; Disaster Name: ___; Disaster Declaration Date: ___; Disaster End Date: ___ |
The most recent dated [Redacted] valuation inspection is dated prior to a FEMA disaster [Redacted]. | Reviewer
Comment (2026-02-05): appraisal in file dated [Redacted] shows no damage to the property. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | D | A | C | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033172 | 3158621851 | 35719623 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer
Comment (2026-02-06): CDA received Buyer Comment (2026-02-06): Please review uploaded CDA. |
02/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Refinance - Rate/Term | D | A | C | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033172 | 3158621851 | 35720021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | : Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. ( | Reviewer
Comment (2026-02-06): construction to perm with both initial and final terms showing no escrows Buyer Comment (2026-02-06): Do not concur. [Redacted] CD is not the final CD for this transaction. This was a construction to Perm loan and [Redacted] was the final CD for the initial loans. The pertinent CD for this transaction are the initial CD dated [Redacted] and final CD dated [Redacted], both reflect non-escrowed total of $[Redacted] (= [Redacted] x $[Redacted]). |
02/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | A | C | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033172 | 3158621851 | 35720022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations | Reviewer
Comment (2026-02-06): evidence of e-signature received Buyer Comment (2026-02-06): Do not concur. Initial 1003 was e-signed by borrower on [Redacted]. Section 6 contains verbiage in upper right hand corner "if this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable Federal and/or state electronic transaction laws." Initial LE dated [Redacted] was e-signed on [Redacted]. |
02/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Rate/Term | D | A | C | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033172 | 3158621851 | 35720023 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing | Reviewer
Comment (2026-02-04): Sufficient Cure Provided At Closing |
02/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | A | C | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033174 | 3158621854 | 35704268 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033174 | 3158621854 | 35704269 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033178 | 3158621860 | 35709257 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits changed to $-[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for the change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC and timely disclosure of fee changes received Buyer Comment (2026-02-09): The lender credit decreased on the ICD, with a valid CIC in the file indicating that the rate was lowered and the fees were updated from lender credit to borrower paid. The processing fee of $[Redacted], tax service fee of $[Redacted], and underwriting fee of $[Redacted] total $[Redacted], which accounts for the difference in lender credit. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033178 | 3158621860 | 35709365 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance policy effective date [Redacted] is after disbursement date of [Redacted]. | Reviewer
Comment (2026-02-05): updated HOI information received Buyer Comment (2026-02-05): Please see the attached Hazard Policy, which was effective prior to the disbursement date. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033181 | 3158621864 | 35708736 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033184 | 3158621867 | 35709192 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer
Comment (2026-02-05): recent paystub in lieu of VVOE acceptable Buyer Comment (2026-02-05): Please see the attached latest paystub dated [Redacted] which is acceptable as an alternative source for VVOE. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033184 | 3158621867 | 35728841 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE | Reviewer
Comment (2026-02-05): recent paystub in lieu of VVOE acceptable Buyer Comment (2026-02-05): See attached Paystub dated [Redacted] |
02/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033184 | 3158621867 | 35728842 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE, resulting in a loan designation discrepancy. | Reviewer
Comment (2026-02-05): recent paystub in lieu of VVOE acceptable Buyer Comment (2026-02-05): See attached Paystub dated [Redacted] |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033184 | 3158621867 | 35728845 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall finding due to missing VVOE | Reviewer
Comment (2026-02-05): recent paystub in lieu of VVOE acceptable Buyer Comment (2026-02-05): See attached Paystub dated [Redacted] |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033184 | 3158621867 | 35728863 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing VVOE | Reviewer
Comment (2026-02-05): recent paystub in lieu of VVOE acceptable Buyer Comment (2026-02-05): See attached Paystub dated [Redacted] |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033184 | 3158621867 | 35729750 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing a VVOE for the borrower dated within 10 business days of the Note. | Reviewer
Comment (2026-02-05): recent paystub in lieu of VVOE acceptable Buyer Comment (2026-02-05): See attached Paystub dated [Redacted] |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033186 | 3158621874 | 35694371 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Property tax and insurance information for this property is not verified in file. Latest documentation in file is the [Redacted] tax returns. | Reviewer
Comment (2026-02-03): REO documentation received Buyer Comment (2026-02-03): The documentation supporting calculation of $[Redacted] monthly obligation on this REO is attached. The property is owned free and clear, and most recent filed [Redacted] tax returns are acceptable for confirming taxes and insurance. |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033187 | 3158621875 | 35694023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification the updated appraisal was delivered to borrower was not provided. | Reviewer
Comment (2026-02-03): appraisal receipt received Buyer Comment (2026-02-03): See attached Appraisal receipt. |
02/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033188 | 3158621878 | 35697455 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The Security Instrument was notarized [Redacted] resulting in an eligible disbursement date of no earlier than [Redacted]. | Reviewer
Comment (2026-02-04): PCCD received with matching dates Buyer Comment (2026-02-04): See attached Post CD and Final Statement reflecting disbursement date of [Redacted]. |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033189 | 3158621880 | 35695947 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033195 | 3158621890 | 35706997 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing a copy of the VVOE - Employment Only within 10 business days of the Note for both borrowers. | Reviewer
Comment (2026-02-04): VOE recieved Buyer Comment (2026-02-04): Please review valid VOE attached for borrowers. Clear all waterfall exceptions |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033195 | 3158621890 | 35707025 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer
Comment (2026-02-04): VOE received Buyer Comment (2026-02-04): Please review valid VOE attached for borrowers. Clear all waterfall exceptions |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033195 | 3158621890 | 35707026 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer
Comment (2026-02-04): VOE received |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033195 | 3158621890 | 35707041 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VOE within 10 business days of the Note for both borrowers. | Reviewer
Comment (2026-02-04): VOE received |
02/04/2026 | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033195 | 3158621890 | 35707042 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing VOE within 10 business days of the Note for both borrowers. | Reviewer
Comment (2026-02-04): VOE received |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033195 | 3158621890 | 35720908 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Income documentation requirements not met due to missing VOE within 10 business days of the Note for both borrowers. | Reviewer
Comment (2026-02-04): VOE received |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033195 | 3158621890 | 35721186 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VOE within 10 business days of the Note for both borrowers. | Reviewer
Comment (2026-02-04): VOE received |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033200 | 3158621899 | 35694456 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Provide evidence of HOI coverage in effect as of the date of disbursement. | Reviewer
Comment (2026-02-03): updated HOI policy with effective date equal to the disbursement date has been received Buyer Comment (2026-02-03): Please review Hazard Ins effective at time of disbursement [Redacted] |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033203 | 3158621906 | 35697048 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of updated final appraisal nor compliant acknowledgment of receipt signed at closing provided. | Reviewer
Comment (2026-02-03): appraisal receipt received Buyer Comment (2026-02-03): Please review Appraisal receipt attached |
02/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033207 | 3158621911 | 35697869 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. | Reviewer
Comment (2026-02-06): PCCD, LOX, refund check and proof of delivery for overage was provided to the borrower prior to TPR review Buyer Comment (2026-02-06): Please see attached PCCD, refund, and proof of shipping |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033207 | 3158621911 | 35697870 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Reviewer
Comment (2026-02-06): PCCD, LOX, refund check and proof of delivery for overage was provided to the borrower prior to TPR review |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033208 | 3158621912 | 35694491 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-05): [Redacted] received COC dated [Redacted] for rate lock. Buyer Comment (2026-02-04): Do not Concur. Loan locked on [Redacted], Lender credit decreased to $[Redacted] on LE V3 which issued timely on [Redacted], Pricing can change before the loan locks. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033208 | 3158621912 | 35694492 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee Total changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final
CD) resulting in a cleared exception. Buyer Comment (2026-02-04): Do Not Concur. The increased recording fee amount was cured at closing, please see system snip for details and CD for cure amount shown. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033208 | 3158621912 | 35694493 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-05): [Redacted] received COC and appraiser comment for increase in fee. Buyer Comment (2026-02-04): Do Not Concur. Please see CIC for appraisal exception, this was disclosed timely to the customer on LE V3 on [Redacted]. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033208 | 3158621912 | 35727391 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-05): Sufficient Cure Provided At Closing |
02/05/2026 | 1 | A | A | A | A | A | MA | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225033210 | 3158621914 | 35706054 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033212 | 3158621916 | 35701207 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): COC for pricing change received Buyer Comment (2026-02-05): Do Not Concur. Please see CIC for loan interest rate change and subsequent pricing / discount point change, the updated points disclosed timely on LE v5 |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033212 | 3158621916 | 35701208 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] received a valid COC. Buyer Comment (2026-02-05): Do Not Concur. Please see CIC for appraisal exception and notes for the reason, the updated appraisal fee disclosed timely on LE v6. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033212 | 3158621916 | 35701426 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Hazard Insurance, HOA verification and Tax verification for property located at [Redacted]. | Reviewer
Comment (2026-02-06): confirmation of REO received Buyer Comment (2026-02-05): property is located in [Redacted] Buyer Comment (2026-02-05): Property is free and clear taxes and insurance info were taken from the tax returns |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033213 | 3158621917 | 35707658 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Latest LE is dated [Redacted] and the earliest CD is dated [Redacted]. | Reviewer
Comment (2026-02-05): electronic delivery dates line up with LE's delivered prior to CD's Buyer Comment (2026-02-05): Do Not Concur. Please see electronic LE and CD delivery dates |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225033213 | 3158621917 | 35707659 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): valid coc with timely disclosure received Buyer Comment (2026-02-05): Do Not Concur. Please see LE v7 where discount points increase to $[Redacted] setting this as the new baseline and the rate is not locked, pricing can change prior to rate being locked without a CIC. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033213 | 3158621917 | 35707660 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): valid coc with timely disclosure received Buyer Comment (2026-02-05): Do Not Concur. Please see CICs and system notes, the appraisal received on [Redacted] indicated that this property required a final inspection, the customer had already requested to hold off on the appraisal between order and receipt, when it was ok to proceed there are CICs for the appraisal and final inspection to be added and these disclosed timely on LE v10. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033213 | 3158621917 | 35707689 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Please provide the documentation for the other expenses $[Redacted]. | Reviewer
Comment (2026-02-06): REO documentation received Buyer Comment (2026-02-06): see attached tax and HOI bill for this property |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033215 | 3158621920 | 35701894 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033216 | 3158621922 | 35713198 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing Borrower's and Co-borrower's YTD paystub and recent 2 years W-2s or written VOE to support Borrower's $[Redacted] and Co-borrower's $[Redacted] monthly wage income used to qualify. | Reviewer
Comment (2026-02-06): paystubs and w2's received Buyer Comment (2026-02-05): Documents uploaded |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033216 | 3158621922 | 35713247 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing Borrower's and Co-borrower's YTD paystub and recent 2 years W-2s or written VOE to support income used to qualify, resulting in a loan designation discrepancy. | Reviewer
Comment (2026-02-06): paystubs and w2's received |
02/06/2026 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033216 | 3158621922 | 35713248 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | Waterfall finding due to missing Borrower's and Co-borrower's YTD paystub and recent 2 years W-2s or written VOE to support income used to qualify. | Reviewer
Comment (2026-02-06): paystubs and w2's received |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033216 | 3158621922 | 35713249 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | Waterfall finding due to missing Borrower's and Co-borrower's YTD paystub and recent 2 years W-2s or written VOE to support income used to qualify. | Reviewer
Comment (2026-02-06): paystubs and w2's received |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033216 | 3158621922 | 35713250 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing Borrower's and Co-borrower's YTD paystub and recent 2 years W-2s or written VOE to support income used to qualify, resulting in a loan designation discrepancy. | Reviewer
Comment (2026-02-06): paystubs and w2's received |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033216 | 3158621922 | 35713251 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing Borrower's and Co-borrower's YTD paystub and recent 2 years W-2s or written VOE to support income used to qualify. | Reviewer
Comment (2026-02-06): paystubs and w2's received Buyer Comment (2026-02-05): c1 paystub Buyer Comment (2026-02-05): w2 Buyer Comment (2026-02-05): paystub |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033217 | 3158621923 | 35700610 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender credit changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] received a valid COC. Buyer Comment (2026-02-05): Do Not Concur. The lender credit was premium pricing, the loan rate was not locked, please see LE v3 where the lender credit decreased to $[Redacted] and the rate was not locked, the pricing can fluctuate prior to the loan being locked. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033218 | 3158621924 | 35693973 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final
CD) resulting in a cleared exception. Buyer Comment (2026-02-03): Do not Concur. Ten percent tolerance for section E is already cured at closing |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033218 | 3158621924 | 35693974 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-04): [Redacted] received COC for rate lock dated [Redacted]. Buyer Comment (2026-02-03): Do not Concur. Initial loan lock [Redacted] had points at $[Redacted]. Points decreased at closing |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033218 | 3158621924 | 35693975 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): [Redacted] Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-02-06): Please see attached PCCD, refund, and proof of shipping |
02/09/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033219 | 3158621927 | 35706656 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Lender Credits fee changed from $[Redacted] on LE dated [Redacted] to $[Redacted] on CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC received Buyer Comment (2026-02-09): Do Not Concur. Please see additional CIC info regarding property type, appraisal value, and loan amount changes. Reviewer Comment (2026-02-06): [Redacted] received COC dated [Redacted] but it doesn't specify the reason as to why the discount point increased from $[Redacted] from CD dated [Redacted] to $[Redacted] on CD dated [Redacted]. Kindly provide a valid COC or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-02-05): Do Not Concur. The loan discount points increased to $[Redacted] and disclosed timely on CD v2, please see valid CIC. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033220 | 3158621929 | 35699698 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033221 | 3158621930 | 35709206 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Reviewer
Comment (2026-02-10): PCCD with corrected escrow information received Buyer Comment (2026-02-10): Please see attached PCCD |
02/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033221 | 3158621930 | 35720601 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception DTI exceeding guidelines maximum DTI maximum of [Redacted]%. Exception approved with comp factors. | Borrower
has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-04): Exception approved with comp factors. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225033221 | 3158621930 | 35720707 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception DTI exceeding guidelines maximum DTI maximum of [Redacted]%. Exception approved with comp factors. | Borrower
has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-04): Exception approved with comp factors. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225033224 | 3158621936 | 35699266 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | There
was no cure was provided to the borrower and the file did not contain a valid COC for the addition of the fee. The ten percent fees changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |
Reviewer
Comment (2026-02-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final
CD) resulting in a cleared exception." Buyer Comment (2026-02-04): Do Not Concur. There is a cure for $[Redacted] at closing for the recording fee increase, please see system snip and CD. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033224 | 3158621936 | 35727420 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer
Comment (2026-02-05): Sufficient Cure Provided At Closing |
02/05/2026 | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 225033227 | 3158621941 | 35710278 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. A valid COC was not provided for fee chance, and no evidence of tolerance cure was in file. | Reviewer
Comment (2026-02-09): valid COC and timely delivery of fee change received Buyer Comment (2026-02-06): Do Not Concur. The discount points increased to $[Redacted] on LE v4 on [Redacted] setting this as the baseline, the loan rate was not locked yet and pricing can fluctuate prior to the rate being locked, the discount points decreased from this prior to closing. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033228 | 3158621944 | 35707226 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] received a valid COC. Buyer Comment (2026-02-05): Do not Concur. Valid CICs appraised value [Redacted] and Credit score and loan points [Redacted]. LEv3 disclosed timely [Redacted] |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033229 | 3158621945 | 35708119 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] the rate was not locked therefore the fee can increase. Buyer Comment (2026-02-05): Do not Concur. Initial loan lock [Redacted] LEv3 discloesd timely next day |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033229 | 3158621945 | 35721851 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception of collateral/incomplete floor repairs. Exception approved with comp factors. | The
representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-04): Exception approved with comp factors. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225033230 | 3158621947 | 35694028 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-04): [Redacted] received a valid COC. Buyer Comment (2026-02-03): Do not Concur. Initial loan lock [Redacted]. LEv4 discosed timely [Redacted] |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033231 | 3158621948 | 35707496 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the DTI. Exception approved with comp factors. | The
representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-04): Exception approved with comp factors. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225033231 | 3158621948 | 35707536 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the DTI. Exception approved with comp factors. | The
representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-04): Exception approved with comp factors. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225033232 | 3158621951 | 35709638 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title
Evidence: ___ State: ___ |
Title Preliminary/Commitment in the file does not reflect a coverage amount and there is no final title policy provided in the file. | Reviewer
Comment (2026-02-10): final title policy received Buyer Comment (2026-02-10): Final Title Policy provided |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 225033232 | 3158621951 | 35709831 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Waterfall finding due to loan exceeding APR threshold. | Reviewer
Comment (2026-02-10): reviewed high cost analysis Buyer Comment (2026-02-10): Please see MX screens and Reg Test Reviewer Comment (2026-02-06): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. |
02/10/2026 | 1 | B | A | C | A | B | A | C | A | B | A | HI | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225033232 | 3158621951 | 35709832 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [Redacted]% is equal to or greater than the threshold of [Redacted]%. | QM APR [Redacted]% exceeds threshold of [Redacted]%. | Reviewer
Comment (2026-02-10): reviewed high cost analysis Buyer Comment (2026-02-10): Please see MX screens and Reg Test |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 225033232 | 3158621951 | 35709833 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Reviewer
Comment (2026-02-06): proof of earlier reciept of interim CD received Buyer Comment (2026-02-06): [Redacted] - Do Not Concur. Please see system snip of electronic delivery of the closing disclosure to the customer, also the APR decreased as well as the finance charge. Closing disclosure was received timely. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | TRID timing exception, no remediation available. | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 225033232 | 3158621951 | 35709836 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): valid COC and timely delivery received Buyer Comment (2026-02-06): Do Not Concur. Please see CICs allowing loan discount points to change to $[Redacted] on CD v2 which disclosed timely. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225033232 | 3158621951 | 35709837 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Administration fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): valid COC and timely delivery received Buyer Comment (2026-02-06): Do Not Concur. Please see CICs allowing fee changes specifically the Administration fee for $[Redacted] on CD v2 which disclosed timely. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225033234 | 3158621955 | 35719447 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance fee changed from $[Redacted] to $[Redacted] on the LE dated [Redacted] and the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is sufficient to resolve all tolerance violations. | 02/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033235 | 3158621956 | 35714146 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC and timely delivery of fee change received Buyer Comment (2026-02-06): Do Not Concur. Please see CICs allowing loan discount points to change to $[Redacted]on LE v2 which disclosed timely. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033238 | 3158621962 | 35699192 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | All copies of the appraisal in file are "subject to completion". Photos show work in progress on the home. No 1004D/442 in file showing property was completed. | Reviewer
Comment (2026-02-03): [Redacted] Warranty of Completion received and acceptable Buyer Comment (2026-02-03): A 1004D is required when the appraiser has made the report subject to as in this loan number. In lieu of a 1004D The [Redacted] Warranty of Completion process may be used as an alternative to the final inspection (1004D/Form 442) to move the file to closing. CED reviews the form filled out by the HLA confirming work has been completed. Buyer Comment (2026-02-03): Signed [Redacted] Warranty of completion Buyer Comment (2026-02-03): Picture Buyer Comment (2026-02-03): Docs |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033238 | 3158621962 | 35699230 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-04): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-02-03): Do not Concur. Initial loan lock [Redacted] had loan points at $[Redacted]. Loan points decreased at closing. No CIC required for a decrease. |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033239 | 3158621964 | 35700672 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit changed to $[Redacted] on CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): valid COC and timely disclosure of fee change received Buyer Comment (2026-02-06): Do Not Concur. Please see CICs allowing Premium Pricing to change to $[Redacted] on CD v2 which disclosed timely. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225033241 | 3158621967 | 35720186 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure is not signed/dated to evidence receipt and there is no other documentation of the borrowers' receipt in file. The presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer
Comment (2026-02-09): [Redacted] received disclosures summary snip of initial CD's earliest receipt. Buyer Comment (2026-02-06): Do Not Concur. Please see system snip of electronic delivery of the closing disclosure to the customer. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225033241 | 3158621967 | 35720193 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. The file did not contain a valid Change of Circumstance for the change and there was no evidence of a tolerance cure. | Reviewer
Comment (2026-02-09): [Redacted] received rate change summary and rate lock COC dated [Redacted]. Buyer Comment (2026-02-06): Do Not Concur. The loan was not locked when the lender credit which was premium pricing decreased, please see system snip loan locked on [Redacted], lender credit decreased and disclosed on [Redacted] LE v4 |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033241 | 3158621967 | 35720194 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. The file did not contain a valid Change of Circumstance for the change and there was no evidence of a tolerance cure. | Reviewer
Comment (2026-02-09): [Redacted] received COC for increase in fee on [Redacted]. Buyer Comment (2026-02-06): Do Not Concur. Please see CICs and system snips of the reason why the appraisal fee increased. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033243 | 3158621969 | 35702147 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033244 | 3158621970 | 35706678 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and a cure of $[Redacted] provided at closing was insufficient to resolve all tolerance issues. | Reviewer
Comment (2026-02-06): [Redacted] received a valid COC. Buyer Comment (2026-02-05): Do not Concur. Valid CICs for credit score and loan point change [Redacted]. LEv3 disclosed points at $[Redacted] timely [Redacted]. Points decreased at closing |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033247 | 3158621974 | 35697620 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[Redacted] on the Closing Disclosure dated [Redacted] A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): evidence of lender paid fee, keeping borrower paid fee in line has been received Buyer Comment (2026-02-09): Do Not Concur. The transfer taxes did increase but please see that [Redacted] has paid $[Redacted] toward the [Redacted] Mtg Tax which makes the amount paid by the customer $[Redacted] and $[Redacted] was originally disclosed on the LE. Reviewer Comment (2026-02-05): [Redacted] received copy of system snip with additional information county changed. but it does not give sufficient information on why the Transfer taxes were increased. Transfer taxes in this form should be updated and disclosed to borrower whenever there is a sales price or loan amount change for TRID requirements on this 0% tolerance fee. Please provide valid COC with additional information for the fee was added or Cure would be due to borrower. Buyer Comment (2026-02-04): Do Not Concur. Please see CIC for property county change, LE v4 disclosed timely with updated Transfer Taxes on [Redacted]. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033250 | 3158621977 | 35700059 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal does not indicate the estimated cost new. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer
Comment (2026-02-04): [Redacted]% replacement cost coverage verification received Buyer Comment (2026-02-04): Verbally verified customer has [Redacted]% replacement cost; RCC provided. |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033252 | 3158621983 | 35707651 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer
Comment (2026-02-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final
CD) resulting in a cleared exception. Buyer Comment (2026-02-05): Do not Concur. Section E tolerance violation already cured at closing |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033252 | 3158621983 | 35707652 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer
Comment (2026-02-06): [Redacted] received a valid COC. Buyer Comment (2026-02-05): Do not Concur. Valid CICs for property type, appraised value, LnRate, and loan point changes [Redacted]. LEv4 disclosed timely |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033252 | 3158621983 | 35707653 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer
Comment (2026-02-09): attestation letter and valid COC received Buyer Comment (2026-02-09): Do not Concur. Customer chose their own provider. Signed preference notice already sent on previous dispute. Also see attached Attestation letter stating the fee should be held at unliminted tolerance when customer choses to have the survey Reviewer Comment (2026-02-06): [Redacted] is unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-02-05): Do not Concur. Customer chose their own provider. The survey fee is held at unlimited tolerance |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033254 | 3158621985 | 35708259 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of delivery to the borrower was not in file and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer
Comment (2026-02-05): proof of disclosure receipt received Buyer Comment (2026-02-05): Do not Concur. Initial CD sent via DocMagic [Redacted] |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225033254 | 3158621985 | 35708261 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-05): valid COC with same date as updated LE received Buyer Comment (2026-02-05): Do not Concur. Valid CICs [Redacted].and complexity comments attached. LEv3 disclosed timely same day |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033257 | 3158621989 | 35709211 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient was provided to the borrower at Closing. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033258 | 3158621994 | 35712697 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower
has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-03): Universal Product Exception Form in file, exception approved with comp factors. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225033258 | 3158621994 | 35712708 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of loan DTI ratio. Exception approved, with comp factors. | Borrower
has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-03): Universal Product Exception Form in file, exception approved with comp factors. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225033259 | 3158621995 | 35694299 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to [Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-05): [Redacted] received COC and appraiser comment for increase in fee. Buyer Comment (2026-02-04): Do Not Concur. Please see CIC and system notes for appraisal changes from two appraisals as disclosed on initial LE to one appraisal at $[Redacted], this was disclosed timely on LE v4. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MT | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033260 | 3158621996 | 35699444 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Gift to borrower was more than needed; however, the excess gift funds were not used for reserves and the borrowers are short of the required reserves of [Redacted] months. | Reviewer
Comment (2026-02-06): with updated guidelines, borrower has sufficient reserves Buyer Comment (2026-02-05): needs [Redacted] in reserves ( [Redacted]) Customer has [Redacted] with using all assets Buyer Comment (2026-02-05): Gift funds can be used as reserves updated policy attached |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033260 | 3158621996 | 35699987 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to finding due to reserve shortage. | Reviewer
Comment (2026-02-06): with updated guidelines, borrower has sufficient reserves |
02/06/2026 | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033260 | 3158621996 | 35699988 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to reserve shortage. | Reviewer
Comment (2026-02-06): with updated guidelines, borrower has sufficient reserves |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033260 | 3158621996 | 35713173 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to reserve shortage. | Reviewer
Comment (2026-02-06): with updated guidelines, borrower has sufficient reserves Buyer Comment (2026-02-05): Updated policy attached |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033260 | 3158621996 | 35713202 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Waterfall finding due to reserve shortage. | Reviewer
Comment (2026-02-06): with updated guidelines, borrower has sufficient reserves Buyer Comment (2026-02-05): Policy attached |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033261 | 3158621998 | 35706550 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): valid COC received with timely disclosure Buyer Comment (2026-02-05): Do not Concur. Sales contract was received/reviewed [Redacted]. Valid CIC same day. Per contract the transfer taxes will be split [Redacted]/[Redacted]. LEv4 disclosed timely next day |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033262 | 3158622001 | 35712591 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for the fee change, and no evidence of tolerance cure was in the file | Reviewer
Comment (2026-02-09): valid COC and timely disclosure of fee change received Buyer Comment (2026-02-09): Do not Concur. Please see CICs for a POA being added and the need for recording which increased the recording fees, this was disclosed timely on CD v2. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033263 | 3158622002 | 35708156 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Reviewer
Comment (2026-02-10): PCCD, LOX, check, and proof of delivery received Buyer Comment (2026-02-10): Please see attached PCCD package Reviewer Comment (2026-02-09): [Redacted] received additional information regarding the services provided on the Title - New Loan Services fee of $[Redacted]. The list of services within the fee reflects services that would not be excludable under 4(c)(7) Real Estate Related Fees. (i) Fees for title examination, abstract of title, title insurance, property survey and similar purposes, (ii) Fees for preparng loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents , (iii) Notary and credit-report fees. The description provided includes several services and there was no breakdown of the cost of each service and as such the full fee is included in the finance charge calculation. The description noted services for downloading loan documents, assembling loabn documents, transcribing loan charges, presenting documents to customer for signing, copying documents, checking signatures, &transmitting documents to lender. There could be Notary & signing fees also, but only a Notary fee would be excludable if it was broken out. As stated though, this fee does appear to be a finance charge and should have been included in calculations. Corrected CD, LOE to borrower, copy of cure refund and proof of mailing to cure. Buyer Comment (2026-02-09): Do not Concur. Please see attached LOX from title regarding the Title-new loan service fee $[Redacted] should not be included as a prepaid fee |
02/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033263 | 3158622002 | 35708157 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Reviewer
Comment (2026-02-10): PCCD, LOX, check, and proof of delivery received Buyer Comment (2026-02-10): Please see attached PCCD package Reviewer Comment (2026-02-09): [Redacted] received additional information regarding the services provided on the Title - New Loan Services fee of $[Redacted]. The list of services within the fee reflects services that would not be excludable under 4(c)(7) Real Estate Related Fees. (i) Fees for title examination, abstract of title, title insurance, property survey and similar purposes, (ii) Fees for preparng loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents , (iii) Notary and credit-report fees. The description provided includes several services and there was no breakdown of the cost of each service and as such the full fee is included in the finance charge calculation. The description noted services for downloading loan documents, assembling loabn documents, transcribing loan charges, presenting documents to customer for signing, copying documents, checking signatures, &transmitting documents to lender. There could be Notary & signing fees also, but only a Notary fee would be excludable if it was broken out. As stated though, this fee does appear to be a finance charge and should have been included in calculations. Corrected CD, LOE to borrower, copy of cure refund and proof of mailing to cure. Buyer Comment (2026-02-09): Do not Concur. Please see attached LOX from title regarding the Title-new loan service fee $[Redacted] should not be included as a prepaid fee |
02/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033264 | 3158622003 | 35699549 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-05): [Redacted]Received Valid COC dated [Redacted]. Buyer Comment (2026-02-04): Do not Concur. Valid CIC for initial loan lock [Redacted]. Cdv3 disclosed same day |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033266 | 3158622006 | 35707102 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $[Redacted] due to increase of Recording Fee. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $[Redacted]. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033269 | 3158622009 | 35699377 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033271 | 3158622011 | 35708231 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | File does not contain evidence of borrower receipt of the initial CD ([Redacted]) and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer
Comment (2026-02-05): evidence of CD receipt by the borrower has been received Buyer Comment (2026-02-05): Do not Concur. Initial CD sent via DocMagic [Redacted] |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225033272 | 3158622012 | 35699110 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Verification of [Redacted] months housing history required per guidelines. Verification of Rent was not provided. | Reviewer
Comment (2026-02-04): VOR not required per guidelines received Buyer Comment (2026-02-04): Policy uploaded to show the VOR is not needed |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033274 | 3158622019 | 35694426 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations is missing. | Reviewer
Comment (2026-02-03): proof of disclosure sent to borrower received Buyer Comment (2026-02-03): Do not Concur. Homeownership is within the application package |
02/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033274 | 3158622019 | 35694431 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-04): [Redacted] received a valid COC. Buyer Comment (2026-02-03): Do not Concur. Valid CIC for loan amount [Redacted]. LEv2 disclosed timely [Redacted] |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033275 | 3158622021 | 35701619 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-02-05): Do not Concur. Initial CD reflected loan points at $[Redacted] with valid CICs for product, property, appraised value, and loan points change [Redacted]. Points decreased at closing |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033275 | 3158622021 | 35701620 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] Received LOE stating borrower ordered Survey. Buyer Comment (2026-02-05): Do not Concur. Survey was cusotmer chosen [Redacted]. Cdv3 disclosed timely. Per sales contract if they chose a survey it would be buyer paid. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033276 | 3158622023 | 35697601 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-04): LOE for fee change and disclosure received Buyer Comment (2026-02-04): Do not Concur. Please see attached LOE. New local Transfer tax for the city of [Redacted] was imposed effective immediately. LOE and final Cd disclosed timely same day [Redacted] this news was received. |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NM | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033276 | 3158622023 | 35697843 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Mortgage Statement and Tax Verification for [Redacted]. If Taxes and insurances are not escrowed further documentation Required to verify these amounts. | Reviewer
Comment (2026-02-04): REO documentation received Buyer Comment (2026-02-04): Rental property is located in [Redacted] Buyer Comment (2026-02-04): Ins Buyer Comment (2026-02-04): taxes on the property no HOA fee Buyer Comment (2026-02-04): currency converter Buyer Comment (2026-02-04): MTG statement |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NM | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033278 | 3158622027 | 35713887 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Flood Certification Fee (Initial Fee) fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues.. | Reviewer
Comment (2026-02-09): valid COC and timely disclosure of fee change received Buyer Comment (2026-02-06): Do Not Concur. Please see CIC for loan amount change which allows fees to change, LE v5 disclosed timely. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033278 | 3158622027 | 35713888 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Flood Certification Fee (Life of Loan) fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues.. | Reviewer
Comment (2026-02-09): valid COC and timely disclosure of fee change received Buyer Comment (2026-02-06): Do Not Concur. Please see CIC for loan amount change which allows fees to change, LE v5 disclosed timely. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033278 | 3158622027 | 35713889 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues.. | Reviewer
Comment (2026-02-09): fee was cured at closing Buyer Comment (2026-02-06): Do Not Concur. Please see on the CD that when the transfer tax was added a cure for that amount was added to the CD, this was cured and disclosed timely on CD v4. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033278 | 3158622027 | 35731900 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. | Reviewer
Comment (2026-02-09): PCCD, LOX, check, and proof of delivery for the cure has been received Buyer Comment (2026-02-09): Please see attached PCCD, refund, and proof of shipping |
02/09/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033278 | 3158622027 | 35731901 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. | Reviewer
Comment (2026-02-09): PCCD, LOX, check, and proof of delivery for the cure has been received Buyer Comment (2026-02-09): Please see attached PCCD, refund, and proof of shipping |
02/09/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033278 | 3158622027 | 35762491 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-09): Sufficient Cure Provided At Closing |
02/09/2026 | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225033281 | 3158622032 | 35705978 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | riginator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Reviewer
Comment (2026-02-10): Our finding is based on a lock date of [Redacted], which identifies the APOR used to determine whether the
loan would be considered safe harbor or higher-priced. The APOR pulls from [Redacted], which is [Redacted]% + [Redacted]% margin,
setting a threshold of [Redacted]%. The APR of [Redacted]% exceeds this threshold and therefore the loan is considered higher-priced
QM. If client would restate their loan designation to HPQM, this can be set as an EV-2 mismatch exception instead of the
current EV-3. Buyer Comment (2026-02-06): Do Not Concur. Please see QM and Reg Testing info uploaded |
3 | B | B | C | C | B | B | C | C | B | B | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 225033281 | 3158622032 | 35705993 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not available for Processing Fee. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225033281 | 3158622032 | 35705994 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not available for Flood Certification (Initial Fee). | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225033281 | 3158622032 | 35705995 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not available for Flood Certification (Life Of Loan). | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225033281 | 3158622032 | 35706005 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). (Final/[Redacted]) | Reviewer
Comment (2026-02-09): Fees were cured at closing Buyer Comment (2026-02-09): Do not Concur. The Project processing fee $[Redacted], and both Flood fees $[Redacted] is already cured at closing due to tolerance fee violations. Please remove these fees from the prepaid calculations. Reviewer Comment (2026-02-09): screenshots provided appear to be for a different loan Buyer Comment (2026-02-09): Please verify charges used in the finance charge calculation as [Redacted] is unable to locate the same fees used on the final closing disclosure. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225033281 | 3158622032 | 35706006 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/3091895) | Reviewer
Comment (2026-02-06): Final CD has projected payment information matching actual totals. Buyer Comment (2026-02-06): Do Not Concur. Please see Final closing disclosure, note, system snip, and Homeowner's declaration page. P&I = [Redacted] + (HO of $[Redacted] / [Redacted]) = $[Redacted] = $[Redacted] which is what the payment was disclosed to the customer on the final CD. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225033281 | 3158622032 | 35706007 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Reviewer
Comment (2026-02-09): Fees were cured at closing Buyer Comment (2026-02-09): Do not Concur. The Project processing fee $[Redacted], and both Flood fees $[Redacted] is already cured at closing due to tolerance fee violations. Please remove these fees from the prepaid calculations. Reviewer Comment (2026-02-09): screenshots provided appear to be for a different loan Buyer Comment (2026-02-09): Please verify charges used in the finance charge calculation as [Redacted] is unable to locate the same fees used on the final closing disclosure. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225033282 | 3158622033 | 35699555 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer
Comment (2026-02-06): earlier signed disclosure received and acceptable Buyer Comment (2026-02-05): Do not Concur. Please see attached signed doc |
02/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033282 | 3158622033 | 35699557 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final
CD) resulting in a cleared exception. Buyer Comment (2026-02-05): Do not Concur. Recording fee tolerance violation already cured at closing |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033282 | 3158622033 | 35699558 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer
Comment (2026-02-06): [Redacted] Received Valid COC dated [Redacted] showing lock extended. Buyer Comment (2026-02-05): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv5 disclosed timely [Redacted] |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033282 | 3158622033 | 35699560 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer
Comment (2026-02-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final
CD) resulting in a cleared exception. Buyer Comment (2026-02-05): Do not Concur. Transfer tax tolerance violation already cured at closing |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033282 | 3158622033 | 35736056 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-06): Sufficient Cure Provided At Closing |
02/06/2026 | 1 | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225033282 | 3158622033 | 35736057 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-06): Sufficient Cure Provided At Closing |
02/06/2026 | 1 | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225033283 | 3158622034 | 35708538 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC and timely disclosure of fee change received Buyer Comment (2026-02-09): Do Not Concur. Please see CICs for change in loan lock and term, the $[Redacted] lender credit was disclosed timely on LE v3. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033284 | 3158622035 | 35699604 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Mortgage Statement and Tax Verification for [Redacted]. If Taxes and insurances are not escrowed further documentation Required to verify these amounts. | Reviewer
Comment (2026-02-06): REO documentation received Buyer Comment (2026-02-06): Insurance Buyer Comment (2026-02-06): Hoa Buyer Comment (2026-02-06): Attached customer assist to show account was just open with [Redacted] and taxes and ins |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033284 | 3158622035 | 35711457 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033285 | 3158622037 | 35707434 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. | Reviewer
Comment (2026-02-05): amount financed fees updated Buyer Comment (2026-02-05): Do not Concur. $[Redacted] was already cured at closing. [Redacted] is including the full amount $[Redacted] as prepaid and should not be including what was cured. ALSO do not Concur. See attached LOE from title stating the section H Financing Fee $[Redacted] is not a prepaid fee. Please recalculate Buyer Comment (2026-02-05): Do not Concur. $[Redacted] was already cured at closing. [Redacted] is including the full amount $[Redacted] as prepaid and should not be including what was cured |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033285 | 3158622037 | 35707435 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. | Reviewer
Comment (2026-02-05): amount financed fees updated Buyer Comment (2026-02-05): Do not Concur. $[Redacted] was already cured at closing. [Redacted] is including the full amount $[Redacted]as prepaid and should not be including what was cured. ALSO do not Concur. See attached LOE from title stating the section H Financing Fee $[Redacted] is not a prepaid fee. Please recalculate Buyer Comment (2026-02-05): Do not Concur. $[Redacted]was already cured at closing. [Redacted]is including the full amount $[Redacted] as prepaid and should not be including what was cured. Please recalculate |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033285 | 3158622037 | 35707460 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. The file did not contain a valid Change of Circumstance for the increase and the cure provided at closing of $[Redacted] was insufficient to cure both of the tolerance issues. | Reviewer
Comment (2026-02-05): valid COC received Buyer Comment (2026-02-05): Do not Concur. Loan expiration and loan points CIC [Redacted]. Cdv4 disclosed timely [Redacted] |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033285 | 3158622037 | 35721920 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Project Processing Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. The file did not contain a valid Change of Circumstance for the increase and the cure provided at closing of $[Redacted] was insufficient to cure both of the tolerance issues. | Reviewer
Comment (2026-02-05): fee cured at closing Buyer Comment (2026-02-05): Do not Concur. Project processing fee already cured at closing for tolerance violation |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033285 | 3158622037 | 35734566 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | fee cured at closing | Reviewer
Comment (2026-02-05): Sufficient Cure Provided At Closing |
02/05/2026 | 1 | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 225033286 | 3158622038 | 35699798 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Provide proof of HOI coverage that is effective as of the date of disbrsement. | Reviewer
Comment (2026-02-04): effective date of HOI coverage is acceptable Buyer Comment (2026-02-04): Hazard Policy effective date is the date of disbursement please review. |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033286 | 3158622038 | 35699799 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Reviewer
Comment (2026-02-04): updated guidelines no longer require VOR Buyer Comment (2026-02-04): Policy uploaded to show vor is not needed |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225033288 | 3158622040 | 35694400 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-04): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-02-03): Do not Concur. Valid CICs for Loan interest rate and loan points [Redacted]. CDv3 disclosed timely [Redacted] |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033289 | 3158622042 | 35697582 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points $[Redacted] was added on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-05): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-02-04): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv4 discloesd timely next day |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033289 | 3158622042 | 35697583 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Second Appraisal fee $[Redacted] was added on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC and timely delivery of fee change received Buyer Comment (2026-02-09): Do not Concur. Valid CICs for loan amount, Original Mortgage amount, and product changes [Redacted]. LEv2 disclosed timely [Redacted] Reviewer Comment (2026-02-05): [Redacted] Received [Redacted] COC stating loan amount change is not a valid reason for addition of Second Appraisal fee. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-02-04): Do not Concur. Valid CIC for loan amount change [Redacted]. LEv2 disclosed timely [Redacted] |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033289 | 3158622042 | 35697587 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations disclosure dated [Redacted] was not provided to borrower within three (3) business days of application date of [Redacted]. | Reviewer
Comment (2026-02-04): proof of disclosure delivery received Buyer Comment (2026-02-04): Do not Concur. Application package dated [Redacted] included the Homeownership Counseling document. |
02/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033290 | 3158622043 | 35696463 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. A valid change of circumstance for the fee change was not located in the file. | Reviewer
Comment (2026-02-09): valid COC and timely delivery information has been received Buyer Comment (2026-02-06): Do not Concur. Valid CIC for review of the sales contract [Redacted]. LEv3 discloed timely [Redacted] Reviewer Comment (2026-02-05): [Redacted] received COC dated [Redacted], however transfer tax fee increased on LE dated [Redacted]. Please provide valid COC for increase of transfer tax fee on LE dated [Redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-02-04): Do not concur. Valid CIC for property type change [Redacted]. The Transfer taxes increased to $[Redacted] with this valid CIC. Then when the transfer taxes increased at closing, this difference was already cured. Reviewer Comment (2026-02-04): [Redacted] received rebuttal, however on initial LE transfer tax disclosed was $[Redacted] and on final CD fee increased to $[Redacted]. A valid COC with sufficient information why the fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-02-03): Do not Concur. Transfer taxes reflected $[Redacted] on the initial CD. Taxes increased to $[Redacted] without a valid CIC. This cure was already given back at closing |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033290 | 3158622043 | 35696478 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage $[Redacted] is less than subject property loan Amount $[Redacted]. | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225033290 | 3158622043 | 35759915 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] | Reviewer
Comment (2026-02-09): valid COC and timely delivery information has been received |
02/09/2026 | 1 | A | A | A | A | A | MN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 225033292 | 3158622046 | 35707414 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | With funds required to bring to closing of $[Redacted], plus the HOI premium of $[Redacted] POC, plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan, and there are only [Redacted] months of reserves verified. Gift funds received of $[Redacted] which were not all needed to close; however, they cannot be utilized to cover reserves. Borrower funds outside of the gift and EMD are only $[Redacted]. | Reviewer
Comment (2026-02-05): sufficient assets and documentation in file Buyer Comment (2026-02-05): policy changed and gifts be utilized to cover reserves. We have the [Redacted] months reserves already adjusted out in the required reserve screen, as well at the [Redacted] months for [Redacted] exception. So, the residual reserves left remaining is extra. Buyer Comment (2026-02-05): Policy to show gift funds can be used as reserves |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033292 | 3158622046 | 35707468 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the reserve shortage. | Reviewer
Comment (2026-02-05): sufficient assets and documentation in file |
02/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033292 | 3158622046 | 35707469 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the reserve shortage. | Reviewer
Comment (2026-02-05): sufficient assets and documentation in file Buyer Comment (2026-02-05): Updated policy was uploaded |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033292 | 3158622046 | 35707472 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether property taxes are included in escrow. | Final Closing Disclosure provided on [Redacted] did not disclose whether property taxes are included in escrow. | Reviewer
Comment (2026-02-04): property taxes are N/A for this property type Buyer Comment (2026-02-04): Do not Concur. This is a Co-Op. Taxes are not applicable. The Co-op pays property taxes. |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033292 | 3158622046 | 35707567 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Client approved exception for PAG decline only. PAG declined due to Coop has been delinquent on taxes in the last [Redacted] months, proprietary lease expires in less than [Redacted] years, and the subject unit maintenance increased by more than [Redacted]%. | The
qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-03): Exception approved with comp factors. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225033292 | 3158622046 | 35709814 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the reserve shortage. | Reviewer
Comment (2026-02-05): sufficient assets and documentation in file Buyer Comment (2026-02-05): Waterfall |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033292 | 3158622046 | 35710265 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Waterfall finding due to the reserve shortage. | Reviewer
Comment (2026-02-05): sufficient assets and documentation in file Buyer Comment (2026-02-05): Policy to use gifts funds as reserves uploaded |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033294 | 3158622048 | 35703323 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-02-05): Do not Concur. Expiration change and valid CIC for loan points [Redacted]. CDv5 disclosed timely [Redacted] |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033295 | 3158622050 | 35711130 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC and timely disclosure of tee change has been received Buyer Comment (2026-02-09): Do Not Concur. Please see CIC for pricing change and loan points, discount points disclosed timely on CD v2. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033296 | 3158622051 | 35707244 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC with timely delivery of fee change received Buyer Comment (2026-02-06): Do not Concur. Appraisal/invoice received [Redacted]. Final inspection required. Valid CIC same day. Lev6 disclosed timely [Redacted] |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033296 | 3158622051 | 35707245 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC with timely delivery of fee change received Buyer Comment (2026-02-06): Do not Concur. Valid CIC for [Redacted] receiving/reviewing the sales contract [Redacted]. Per contract the buyer and seller will go in half. LEv2 disclosed timely same day |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033297 | 3158622052 | 35706941 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal did not provide the estimated cost new. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate reflects $[Redacted]. | Reviewer
Comment (2026-02-09): HOI coverage is acceptable with existing coverage Buyer Comment (2026-02-09): Do not concur. A Google search of A1 - Replacement Cost - Similar Construction with [Redacted] returned... Key Aspects of [Redacted] A1 Replacement Cost: • What it covers: The cost to rebuild your home's structure (walls, roof, foundations, built-in fixtures) using similar materials and quality as before the loss, in current market value. • How it's calculated: [Redacted] uses tools like Xactimate to estimate rebuilding costs, factoring in local building costs and materials. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033297 | 3158622052 | 35706968 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer
Comment (2026-02-04): evidence of appraisal delivery received Buyer Comment (2026-02-04): Please review uploaded proof of appraisal delivery. |
02/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033297 | 3158622052 | 35722182 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer
Comment (2026-02-04): REO documentation received Buyer Comment (2026-02-04): Please review uploaded tax info. |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033298 | 3158622054 | 35709351 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Appraisal fee was disclosed as $[Redacted] on the LE, the final CD shows the fee as $[Redacted] There was a lender credit to cover the cost to cure. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033299 | 3158622055 | 35713852 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): valid COC with timely disclosure received Buyer Comment (2026-02-06): Do not concur. [Redacted] CIC (D[Redacted]) indicates Program/Investor change coinciding with increase in Recording Fee on [Redacted] LE (within 3 days on CIC) to $[Redacted] from $[Redacted] on prior [Redacted] LE. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033301 | 3158622059 | 35700329 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225033307 | 3158622071 | 35698570 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification updated appraisal was delivered to borrower was not provided. | Reviewer
Comment (2026-02-04): appraisal receipt received Buyer Comment (2026-02-04): See attached Appraisal receipt. |
02/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | AL | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No | |||||||||||
| 225033307 | 3158622071 | 35698571 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer
Comment (2026-02-03): CDFI originated loan |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | AL | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No | |||||||||||
| 225033309 | 3158622073 | 35697447 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee of $[Redacted] not disclosed to borrower until final CD. No valid change in circumstance or cure provided. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033312 | 3158622079 | 35707234 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee. was last disclosed as $[Redacted] on LE but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033312 | 3158622079 | 35707235 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033312 | 3158622079 | 35723416 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | 1003 indicates borrower is a Permanent Resident Alien; however the file does not contain a copy of the Permanent Resident card. | Reviewer
Comment (2026-02-05): borrower resident information received Buyer Comment (2026-02-05): Please review Resident confirmation attached. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033313 | 3158622080 | 35713420 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033315 | 3158622083 | 35708999 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | [Redacted] uses FannieMae's definition of acceptable coverage. Fannie Mae requires coverage equal to the lesser of the following: 100% of the insurable value of the improvements, as established by the property insurer; or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount-80% of the insurable value of the improvements-required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | 3 | C | C | C | C | C | C | C | C | C | C | NC | Primary | Purchase | C | C | C | C | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 225033318 | 3158622089 | 35717193 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer
Comment (2026-02-10): screenshot received showing HOI coverage has full replacement coverage, which is acceptable Buyer Comment (2026-02-10): Full Replacement cost verified screenshots provided |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033318 | 3158622089 | 35717199 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC with timely delivery received Buyer Comment (2026-02-06): Do not Concur. Valid CICs for LnRate and Loan points [Redacted]. CDv5 disclosed timely [Redacted] |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033318 | 3158622089 | 35759529 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | ero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. | Reviewer
Comment (2026-02-09): valid COC with timely delivery received |
02/09/2026 | 1 | A | A | A | A | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 225033319 | 3158622090 | 35694032 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-04): [Redacted] received a valid COC. Buyer Comment (2026-02-03): Do not Concur. Lock expiration and valid CIC for loan points occurred [Redacted]. CDv2 disclosed timely [Redacted] |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033321 | 3158622093 | 35699539 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] received valid COC documents Buyer Comment (2026-02-05): Do not Concur. Valid CIC for LnRate [Redacted]. LEv6 disclosed points at $[Redacted] timely [Redacted]. Points decreased at closing |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033321 | 3158622093 | 35699540 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] received valid COC documents Buyer Comment (2026-02-05): Do not Concur. Appraisal waiver lost and valid CICs [Redacted]. CDv2 disclosed timely same day |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033322 | 3158622095 | 35695936 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid Change of Circumstance found in file and no evidence of a tolerance cure. | Reviewer
Comment (2026-02-05): [Redacted] received COC dated [Redacted] for adding fee due to internal appraisal transfer. Buyer Comment (2026-02-04): Do not Concur. Valid CIC [Redacted] for appraisal being re-used from previous loan. LEv9 disclosed timely same day. A letter has never been required for this request. For TRID review the valid CIC and detailed comments are required. Reviewer Comment (2026-02-04): [Redacted] received COC dated [Redacted] for increase in fee due to appraisal transfer. File does not have appraisal transfer letter to validate the change. Please provide transfer letter to verify reason and when lender has received the change. Buyer Comment (2026-02-03): Do not Concur. Valid CIC [Redacted] for appraisal being re-used from previous loan. LEv9 disclosed timely same day |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033322 | 3158622095 | 35695937 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]0. $[Redacted] over legal limit. No valid Change of Circumstance found in file and no evidence of a tolerance cure. | Reviewer
Comment (2026-02-09): PCCD, LOX, refund check and proof of delivery provided to borrower prior to review by TPR Buyer Comment (2026-02-06): Please see attached PCCD, refund, and proof of shipping |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033322 | 3158622095 | 35695938 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid Change of Circumstance found in file and no evidence of a tolerance cure. | Reviewer
Comment (2026-02-09): PCCD, LOX, refund check and proof of delivery provided to borrower prior to review by TPR |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033322 | 3158622095 | 35701086 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exceptions of DTI . Exception approved with comp factors. | The
representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-02): Exception approved with comp factors. |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225033322 | 3158622095 | 35701107 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exceptions of DTI . Exception approved with comp factors. | The
representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-02): Exception approved with comp factors. |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225033323 | 3158622097 | 35699439 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The
credit report Re-issue fee was disclosed as $[Redacted] on the LE, the final CD shows the fee as $[Redacted] There was a lender credit
to cover the cost to cure. |
Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033324 | 3158622098 | 35695998 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal was made subject to and 442 is not in images. | Reviewer
Comment (2026-02-03): escrow hold back info and signed contract for pool received Buyer Comment (2026-02-03): Loan has an escrow holdback for a pool documents attached Buyer Comment (2026-02-03): Escrow holdback signed Buyer Comment (2026-02-03): Escrow holdback for [Redacted] days Buyer Comment (2026-02-03): Policy for escrow holdback |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033324 | 3158622098 | 35696054 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer
Comment (2026-02-03): valid COC received Buyer Comment (2026-02-03): Do not Concur. Valid CIC for Final inspection required [Redacted]. Same day appraisal/invoice was received. See attached notes of why inspection was required. Lev2 disclosed timely same day. |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033325 | 3158622100 | 35699425 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033326 | 3158622102 | 35718317 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of Lender Credit was reduced to $[Redacted] on the [Redacted] LE. There was no cure was provided to the borrower and the file did not contain a valid COC for the reduction of the credit. | Reviewer
Comment (2026-02-06): valid COC and timely disclosure of fee change received Buyer Comment (2026-02-06): Do not Concur. Initial loan lock, appraised value, and loan lock CICs [Redacted]. This is where premium pricing changed to positive points. LEv4 disclosed timely |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033326 | 3158622102 | 35718318 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The fee for Discount Points changed on the [Redacted] LE. There was no cure was provided to the borrower and the file did not contain a valid COC for the increase of the fee. | Reviewer
Comment (2026-02-06): valid COC and timely disclosure of fee change received Buyer Comment (2026-02-06): Do not Concur. Initial loan lock, appraised value, and loan lock CICs [Redacted] . This is where premium pricing changed to positive points. LEv4 disclosed timely |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033327 | 3158622103 | 35707640 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Recording fee changed to $[Redacted] on the CD dated [Redacted]. A valid COC was not provided for fee change. The cure provided at closing ([Redacted] is sufficient to resolve all tolerance violations. | 02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033328 | 3158622104 | 35710680 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 225033329 | 3158622107 | 35703827 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): valid COC and timely disclosure of fee change received Buyer Comment (2026-02-06): Do not Concur. Expiration change and valid CIC for loan points [Redacted]. CDv2 disclosed timely [Redacted] |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033332 | 3158622111 | 35708165 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Services Sales Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033335 | 3158622118 | 35699985 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen Status is missing. | Reviewer
Comment (2026-02-05): I-94 documentation received Buyer Comment (2026-02-05): I-94 Provided |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033335 | 3158622118 | 35700061 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $[Redacted] due to increase of fees. No valid COC provided, Sufficient or Excess cure was provided to the borrower at closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033336 | 3158622119 | 35694423 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted].The file did not contain a valid Change of Circumstance for the change and there was no evidence of a tolerance cure. | Reviewer
Comment (2026-02-05): [Redacted] received LOX for rebuttal response and further review the appraisal review fee added with subsequent
lender credit on LE and final CD Buyer Comment (2026-02-04): Do not Concur. Loan closed with $[Redacted] lender credits. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033339 | 3158622127 | 35707282 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer
Comment (2026-02-06): [Redacted] received a valid COC. Buyer Comment (2026-02-05): Do not Concur. Valid CIC for credit report change[Redacted]. LEv5 disclosed timely |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033339 | 3158622127 | 35707283 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer
Comment (2026-02-06): [Redacted] received a valid COC. Buyer Comment (2026-02-05): Do not Concur. Valid CIC for loan amount change [Redacted]. CDv2 disclosed timely [Redacted] |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033340 | 3158622132 | 35703836 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted]received valid COC dated [Redacted] Buyer Comment (2026-02-05): Do not Concur. Valid CICs for initial loan lock, LnRate, and Loan points [Redacted]. CDv3 disclosed timely same day. This is when premium pricing decreased and turned into positive points. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033340 | 3158622132 | 35703838 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] received valid COC dated [Redacted] Buyer Comment (2026-02-05): Do not Concur. Valid CICs for initial loan lock, LnRate, and Loan points [Redacted]. CDv3 disclosed timely same day. This is when premium pricing decreased and turned into positive points. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033341 | 3158622136 | 35710128 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer
Comment (2026-02-10): I-94 documentation received Buyer Comment (2026-02-10): attached |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225033342 | 3158622137 | 35711747 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Disclosure disclosed a Finance Charges are $[Redacted]. The calculated Finance charges is $[Redacted]. There is a variance of $[Redacted]. | Reviewer
Comment (2026-02-10): Our client has elected to apply lender credits to non-finance charge amounts before applying amounts to finance
charge amounts. There are no tolerance exceptions on the loan file nor are there any other finance charges as all other
charges are paid by the Lender. Buyer Comment (2026-02-10): Do not Concur. [Redacted] is only including the project fee as prepaids. They need to include all other prepaid fees in the calculations. Tax service fee, Insured closing letter, Recording service, Settlement or closing fee, prepaid interest Reviewer Comment (2026-02-09): [Redacted] received rebuttal on the cure at closing on the Project Processing Fee which was excluded from the finance charge calculation. However, [Redacted]'s calculation reflects finance charge of $[Redacted] but lender disclosed at $[Redacted] which would be a total underdisclosure of $[Redacted]. Finance Charge underdisclosure must be cured in full and would have been short $[Redacted] of cure to borrower. Unable to determine lender's calculations as missing lender compliance report & amortization schedule. Can provide lender's calculation in order to review calculation or would need to cure the shortage of $[Redacted] with Corrected CD, LOE to borrower, copy of cure refund, proof of mailing and proof of reopening of rescission. Cures under 130(b) require the consumer does not pay an amount that exceeds the charge actually disclosed. Refund of the entire underdisclosed amount is required. The self-corrective cure provisions specifically requires the lender assure the consumer does not pay an amount that exceeds the charge actually disclosed. To accomplish this, a refund of the amount that was underdisclosed is required. Note: The correction does not reference bringing the amount that the loan was underdisclosed to an amount within the permissible tolerance to be considered accurate. If the lender only refunds the delta between the under-disclosure and the permissible tolerance, it would not be deemed to be a remediation in accordance with 130(b) and therefore by not refunding the entire amount the exception will remain as an EV3-C. Buyer Comment (2026-02-09): Do not Concur. [Redacted] is requesting details on a fee that is already cured at closing for the tolerance fee violation. No action required. Reviewer Comment (2026-02-09): For further review, please provide the purpose of the Project Processing fee. Buyer Comment (2026-02-06): Do not Concur. The project processing fee $[Redacted] was already cured at closing and should not be included as prepaid |
3 | C | C | C | C | C | C | C | C | C | C | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033342 | 3158622137 | 35711748 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Disclosure disclosed a Finance Charges are $$[Redacted]. The calculated Finance charges is $[Redacted]. There is a variance of $[Redacted]. | Reviewer
Comment (2026-02-10): Our client has elected to apply lender credits to non-finance charge amounts before applying amounts to finance
charge amounts. There are no tolerance exceptions on the loan file nor are there any other finance charges as all other
charges are paid by the Lender. Buyer Comment (2026-02-10): Do not Concur. [Redacted] is only including the project fee as prepaids. They need to include all other prepaid fees in the calculations. Tax service fee, Insured closing letter, Recording service, Settlement or closing fee, prepaid interest Reviewer Comment (2026-02-09): [Redacted] received rebuttal on the cure at closing on the Project Processing Fee which was excluded from the finance charge calculation. However, [Redacted]'s calculation reflects finance charge of $[Redacted] but lender disclosed at $[Redacted] which would be a total underdisclosure of $[Redacted]. Finance Charge underdisclosure must be cured in full and would have been short $[Redacted] of cure to borrower. Unable to determine lender's calculations as missing lender compliance report & amortization schedule. Can provide lender's calculation in order to review calculation or would need to cure the shortage of $[Redacted] with Corrected CD, LOE to borrower, copy of cure refund, proof of mailing and proof of reopening of rescission. Cures under 130(b) require the consumer does not pay an amount that exceeds the charge actually disclosed. Refund of the entire underdisclosed amount is required. The self-corrective cure provisions specifically requires the lender assure the consumer does not pay an amount that exceeds the charge actually disclosed. To accomplish this, a refund of the amount that was underdisclosed is required. Note: The correction does not reference bringing the amount that the loan was underdisclosed to an amount within the permissible tolerance to be considered accurate. If the lender only refunds the delta between the under-disclosure and the permissible tolerance, it would not be deemed to be a remediation in accordance with 130(b) and therefore by not refunding the entire amount the exception will remain as an EV3-C. Buyer Comment (2026-02-09): Do not Concur. [Redacted] is requesting details on a fee that is already cured at closing for the tolerance fee violation. No action required. Reviewer Comment (2026-02-09): For further review, please provide the purpose of the Project Processing fee. Buyer Comment (2026-02-06): Do not Concur. The project processing fee $[Redacted] was already cured at closing and should not be included as prepaid |
3 | C | C | C | C | C | C | C | C | C | C | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033343 | 3158622139 | 35707335 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit changed to $[Redacted] from $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] received valid COC document Buyer Comment (2026-02-05): Do not Concur. Initial loan lock [Redacted] decreased premium pricing to $[Redacted]. LEv4 disclosed timely same day. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033347 | 3158622144 | 35697071 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-04): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-02-03): Do not Concur. Valid CIC for change in Loan Interest rate [Redacted]. LEv3 disclosed timely [Redacted] |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033348 | 3158622149 | 35710696 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits fee changed to $[Redacted]. on the CD dated [Redacted]. A valid COC was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): valid COC received and timely disclosure of change has been received Buyer Comment (2026-02-06): Do not Concur. Valid CICs for product and affordable credit change [Redacted]. Cdv3 disclosed timely same day. Borrower ended up getting a bigger credit at closing. No cure due back. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033349 | 3158622152 | 35697206 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | The file was missing a copy of the 442 Images | Reviewer
Comment (2026-02-09): the subject to condition has been met with the new recorded security instrument. Buyer Comment (2026-02-09): Appraisal subject to recordation of the new property description at closing; legal recorded with mortgage. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033349 | 3158622152 | 35697225 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower | Reviewer
Comment (2026-02-04): evidence of disclosure delivery to borrower has been received Buyer Comment (2026-02-04): Do not Concur. The Home Loan Councling was sent to the customer via DocMagic with the application package [Redacted] |
02/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033349 | 3158622152 | 35697226 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer
Comment (2026-02-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final
CD) resulting in a cleared exception. Buyer Comment (2026-02-04): Do not Concur. Section E tolerance violation is already cured at closing |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033349 | 3158622152 | 35697227 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer
Comment (2026-02-05): [Redacted] received a valid COC. Buyer Comment (2026-02-04): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CD disclosed timely [Redacted] |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033349 | 3158622152 | 35727428 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-05): Sufficient Cure Provided At Closing |
02/05/2026 | 1 | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225033350 | 3158622153 | 35697491 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was disclosed on Loan Estimate as $[Redacted] and on Final Disclosure as $[Redacted]. File does not contain a valid COC for this fee, nor evidence of cure. | Reviewer
Comment (2026-02-09): valid COC received and timely delivery of fee change is acceptable Buyer Comment (2026-02-06): Do not Concur. [Redacted] has multiple CIC screens. TRID is not about what is in the system, but that the document is correct. The document is correct. Valid CIC for loan amount change [Redacted] and CDv2 disclosed same day. No violation and no cure due back. Reviewer Comment (2026-02-05): [Redacted] Received COC dated [Redacted] stating loan amount change to $[Redacted] on CD dated [Redacted]; however, in actual loan amount changed to $[Redacted]. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-02-04): Do not Concur. CIC for Loan amount change [Redacted]. CDv2 disclosed timely same day |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033351 | 3158622154 | 35711282 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-02-05): Do not Concur. Valid CIC for product change [Redacted] and CDv3 disclosed timely next day |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033351 | 3158622154 | 35719549 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Escalation Form in file for lender exceptions of PAG Declines. Exception approved with comp factors. | The
representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-04): Exception approved with comp factors. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225033352 | 3158622155 | 35713110 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer
Comment (2026-02-10): HOI screenshots show full replacement cost coverage, which is acceptable Buyer Comment (2026-02-10): [Redacted] to [Redacted] refinance utilized MSP screenshots to verify insurance |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033353 | 3158622156 | 35697688 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-04): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-02-04): Do not Concur. Initial lock [Redacted] increased loan points at $[Redacted]. Premium pricing and loan points can float until the loan locks. Points decreased at closing |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033353 | 3158622156 | 35697689 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-04): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-02-04): Do not Concur. Initial lock [Redacted] increased loan points at $[Redacted]. Points decreased at closing |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033355 | 3158622159 | 35701741 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception of reserve requirements. Exception approved with comp factors. | Borrower
has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-02): Universal Product Exception Form in file, exception approved with comp factors. |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225033358 | 3158622162 | 35704088 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033360 | 3158622165 | 35717120 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC and timely delivery for fee change received Buyer Comment (2026-02-06): Do not Concur. Initial loan lock and then expiration change occurred [Redacted].LEv2 disclosed timely same day |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033362 | 3158622167 | 35718922 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated | Reviewer
Comment (2026-02-10): PCCD, LOX, check, and proof of delivery received Buyer Comment (2026-02-10): Please see attached PCCD package Reviewer Comment (2026-02-09): [Redacted] received email rebuttal that the title-courier fee is not related to the extension of credit. However, information did not give the specific reason what this fee is related to and how it would not be related to the extension of credit. Title-Courier fee of $[Redacted] was disclosed in Section C which typically is related to the lender required services and typically would be a fee related to the extension of credit. Please provide additional lender attestation that gives the specifics on what this fee was related to and how not related to extension of credit. Buyer Comment (2026-02-09): Do not Concur. Per title agency the Title-Courier fee $[Redacted] is not related to the extension of credit and should not be included as a prepaid fee. |
02/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033362 | 3158622167 | 35718923 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated | Reviewer
Comment (2026-02-10): PCCD, LOX, check, and proof of delivery received Buyer Comment (2026-02-10): Please see attached PCCD package Reviewer Comment (2026-02-09): [Redacted] received email rebuttal that the title-courier fee is not related to the extension of credit. However, information did not give the specific reason what this fee is related to and how it would not be related to the extension of credit. Title-Courier fee of $[Redacted] was disclosed in Section C which typically is related to the lender required services and typically would be a fee related to the extension of credit. Please provide additional lender attestation that gives the specifics on what this fee was related to and how not related to extension of credit. Buyer Comment (2026-02-09): Do not Concur. Per title agency the Title-Courier fee $[Redacted] is not related to the extension of credit and should not be included as a prepaid fee. |
02/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033362 | 3158622167 | 35718924 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC and timely delivery received Buyer Comment (2026-02-06): Do not Concur. Initial loan [Redacted]. LEv2 disclosed timely same day |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033363 | 3158622170 | 35712661 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. The cure provided at closing $[Redacted] is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final
CD) resulting in a cleared exception. Buyer Comment (2026-02-06): Do not Concur. Section E tolerance violation already cured at closing |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033363 | 3158622170 | 35712662 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. The cure provided at closing $[Redacted] is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-09): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-02-06): Do not Concur. Initial loan lock [Redacted]. CDv3 disclosed same day |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033363 | 3158622170 | 35757180 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-09): Sufficient Cure Provided At Closing |
02/09/2026 | 1 | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225033364 | 3158622173 | 35719611 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Universal Product Exception Form in file for lender exceptions for cash out exceeding $[Redacted]. [Redacted] is willing to allow [Redacted]% LTV. This is still over $[Redacted] cash out and requires an exception. Exception approved with comp factors. | The
representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-04): Exception approved with comp factors. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225033366 | 3158622178 | 35710744 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal did not provide an estimated cost new. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer
Comment (2026-02-10): [Redacted] screenshot provided, showing 100% replacement cost coverage, which is acceptable Buyer Comment (2026-02-10): [Redacted] to [Redacted] refinance utilized MSP screenshots for insurance |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033366 | 3158622178 | 35710953 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-02-06): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. LEv3 disclosed timley [Redacted] |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033367 | 3158622179 | 35713029 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Disclosure disclosed a Finance Charges are $[Redacted]. The calculated Finance charges is $[Redacted]. There is a variance of $[Redacted]. | Reviewer
Comment (2026-02-09): borrower attorney removed from finance charge calculation Buyer Comment (2026-02-09): Do not Concur. [Redacted] is including the attorney fee as $[Redacted] and the fee should only be calculated as $[Redacted] per signed CD. Please recalculate |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033367 | 3158622179 | 35713030 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Disclosure disclosed a Finance Charges are $[Redacted]. The calculated Finance charges is $[Redacted]. There is a variance of $[Redacted]. | Reviewer
Comment (2026-02-09): borrower attorney removed from finance charge calculation Buyer Comment (2026-02-09): Do not Concur. [Redacted] is including the attorney fee as $[Redacted] and the fee should only be calculated as $[Redacted] per signed CD. Please recalculate |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033367 | 3158622179 | 35713032 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid COC was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): valid COC and timely delivery of disclosure received Buyer Comment (2026-02-09): Do not Concur. Loan did not lock until [Redacted]. Expiration change and valid CIC for loan points occurred [Redacted]. Cdv3 disclosed timely [Redacted] |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033367 | 3158622179 | 35713036 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus the down payment/deposit of $[Redacted], plus HOI of $[Redacted] and flood insurance of $[Redacted] both POC, total funds to be verified is $[Redacted]. Additionally, 6 mo PITIA reserves were required. Therefore, the file is does not contain sufficient asset documentation for closing funds and reserves. The final 1003 indicates a significant amount of assets coming from the sale of the borrowers' departing residence; however there is no documentation of this sale in the file and no evidence the funds were received. | Reviewer
Comment (2026-02-10): additional asset documentation provided, and now meets asset requirements |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033367 | 3158622179 | 35713086 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus the down payment/deposit of $[Redacted], plus HOI of $[Redacted] and flood insurance of $[Redacted] both POC, total funds to be verified is $[Redacted]. Therefore, the file is does not contain sufficient asset documentation for closing funds. The final 1003 indicates a significant amount of assets coming from the sale of the borrowers' departing residence; however there is no documentation of this sale in the file and no evidence the funds were received. | Reviewer
Comment (2026-02-10): additional asset documentation provided, and now meets asset requirements Buyer Comment (2026-02-10): CD for sale of home provided. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033367 | 3158622179 | 35713164 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to insufficient assets | Reviewer
Comment (2026-02-10): additional asset documentation provided, and now meets asset requirements |
02/10/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033367 | 3158622179 | 35713165 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to insufficient assets | Reviewer
Comment (2026-02-10): additional asset documentation provided, and now meets asset requirements |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033367 | 3158622179 | 35750901 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus the down payment/deposit of $[Redacted], plus HOI of $[Redacted] and flood insurance of $[Redacted] both POC, total funds to be verified is $[Redacted]. Therefore, the file is does not contain sufficient asset documentation for closing funds. The final 1003 indicates a significant amount of assets coming from the sale of the borrowers' departing residence; however there is no documentation of this sale in the file and no evidence the funds were received. | Reviewer
Comment (2026-02-10): additional asset documentation provided, and now meets asset requirements Buyer Comment (2026-02-10): CD for sale of home provided |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225033367 | 3158622179 | 35750904 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due the insufficient assets. | Reviewer
Comment (2026-02-10): additional asset documentation provided, and now meets asset requirements Buyer Comment (2026-02-10): CD for sale of home provided. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033368 | 3158622180 | 35708547 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. No valid Change of Circumstance found in the file for the change and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer
Comment (2026-02-06): Fee was cured at closing, prior to review Buyer Comment (2026-02-06): Do not Concur. Section E tolerance violation already cured at closing |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033368 | 3158622180 | 35708548 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. No valid Change of Circumstance found in the file for the change and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer
Comment (2026-02-09): [Redacted] received copy of the system snip for rebuttal response with additional information for a valid Changed
circumstance. Buyer Comment (2026-02-06): Do not Concur. Initial loan lock [Redacted]. CDv4 disclosed same day |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033368 | 3158622180 | 35758222 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-09): Sufficient Cure Provided At Closing |
02/09/2026 | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225033369 | 3158622182 | 35714208 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-09): valid COC and timely disclosure of fee change received Buyer Comment (2026-02-09): Do not Concur. Initial loan lock [Redacted]. LEv2 disclosed timely same day |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033369 | 3158622182 | 35714209 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Total Recording fess changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-09): fee was cured at closing Buyer Comment (2026-02-09): Do not Concur. Ten percent tolerance violation already cured at closing |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033369 | 3158622182 | 35714210 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-09): valid COC and timely disclosure of fee change received Buyer Comment (2026-02-09): Do not Concur. Valid CICs for LnRate and Loan points [Redacted]. LEv4 disclosed timely [Redacted] |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033369 | 3158622182 | 35714211 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Desk Review fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-09): valid COC and timely disclosure of fee change received Buyer Comment (2026-02-09): Do not Concur. Appraisal is being reused from prior loan. Valid CIC [Redacted]. LEv3 disclosed next day |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033371 | 3158622186 | 35699815 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Final Lender Credit fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): valid COC and timely disclosure received Buyer Comment (2026-02-06): Do not Concur. Loan amount chnage CIC [Redacted]. CDv2 disclosed timely [Redacted] |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033372 | 3158622187 | 35708127 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer
Comment (2026-02-06): HOI policy coverage information received Buyer Comment (2026-02-06): Insurance amount Buyer Comment (2026-02-06): Insurance |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225033372 | 3158622187 | 35708135 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The cure provided at closing to the borrower of $[Redacted] was insufficient and the file did not contain a valid COC for fee changes. | Reviewer
Comment (2026-02-10): PCCD, LOX, check, and proof of delivery received Buyer Comment (2026-02-10): Please see attached PCCD package Reviewer Comment (2026-02-09): [Redacted] received lender calculations on [Redacted]%. [Redacted] has a lower required cure amount remaining at $[Redacted]. Total violation cure amount is $[Redacted]. Less $[Redacted] cured at closing leaves remaining to cure of $[Redacted] vs lender stated $[Redacted] due. Baseline difference in the Title - Lender title ins being at $[Redacted] instead $[Redacted]. and Title- [Redacted] Sales Tax at $[Redacted] vs $[Redacted]. Only one LE provided in loan package is the [Redacted] LE, doc ID [Redacted], which reflects these baseline fees. Unable to locate any LE with the figures noted on lender rebuttal to match up. But as stated, the remaining to cure is less than lender's stated amount. Corrected CD, LOE to borrower, copy of additional cure of $[Redacted] and proof of mailing to finalize the cure. Buyer Comment (2026-02-09): Do not Concur. [Redacted] does not have the correct [Redacted]% baseline from LEv1. Please see attached. Section C $[Redacted]+ Section E $[Redacted]=$[Redacted] plus [Redacted]% of [Redacted]=$[Redacted]. Actual Charged $[Redacted].Overage of $[Redacted]. Already cured $[Redacted] Remaining cure is $[Redacted] Reviewer Comment (2026-02-09): [Redacted]: On Initial LE Title-Settlement fee $[Redacted], Title-Lender title fee $[Redacted], Recording service fee $[Redacted], Service sales tax $[Redacted] and Recording fee $[Redacted]. The Total of [Redacted]% Tolerance fee on LE is $[Redacted]+[Redacted]% ($[Redacted]) = $[Redacted]. whereas on Final CD total of [Redacted]% Tolerance is $[Redacted]. Lender cure $[Redacted] was provided on Final CD we need additional cure for $[Redacted] along with Post close CD, LOE and Copy of check. Buyer Comment (2026-02-05): Concur/Do not concur. Baseline on Lev1 [Redacted]+[Redacted]=[Redacted]+ [Redacted]% ([Redacted])= $[Redacted]. Actual Charged $[Redacted].Overage of $[Redacted]. Already cured $[Redacted] for title fee. Please verify updated cure amount of $[Redacted] is due. |
02/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033373 | 3158622188 | 35706687 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $-[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): evidence of correct credit at closing has been received Buyer Comment (2026-02-09): Do not Concur. Customer received Credit of $[Redacted] at closing |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033375 | 3158622190 | 35707399 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. | Reviewer
Comment (2026-02-10): confirmation of fees not included in the finance charge have been received Buyer Comment (2026-02-10): Do Not Concur. [Redacted] reached out to the closing attorney for explanation of the Title - Market Value Rider fee which is an optional additional title insurance amount, the State Title / Tax Fee which is the [Redacted] sales tax charged to the Title Co for various searches that they perform, and the Title WOA fee which is an Alta Title Endorsement for the Waiver of Arbitration. These fees should not be included as pre-paid fees in the calculation of the finance charge. Please see the e-mail uploaded from the closing Title Attorney. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033375 | 3158622190 | 35707400 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer
Comment (2026-02-10): confirmation of fees not included in the finance charge have been received Buyer Comment (2026-02-10): Do Not Concur. [Redacted] reached out to the closing attorney for explanation of the Title - Market Value Rider fee which is an optional additional title insurance amount, the State Title / Tax Fee which is the [Redacted] sales tax charged to the Title Co for various searches that they perform, and the Title WOA fee which is an Alta Title Endorsement for the Waiver of Arbitration. These fees should not be included as pre-paid fees in the calculation of the finance charge. Please see the e-mail uploaded from the closing Title Attorney. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033375 | 3158622190 | 35707402 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer
Comment (2026-02-09): valid COC and timely delivery of fee change received Buyer Comment (2026-02-09): Do not Concur. CIC for initial loan lock [Redacted]. CDv2 disclosed same day |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033376 | 3158622192 | 35699161 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and there is no evidence in file the updated appraisal was provided at or before closing. | Reviewer
Comment (2026-02-04): proof of e-delivery of appraisal received Buyer Comment (2026-02-04): Do not Concur. Appraisal was sent via DocMagic |
02/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033376 | 3158622192 | 35699163 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $0.00 plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033376 | 3158622192 | 35709298 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used; the H-9 form should have been used. | Reviewer
Comment (2026-02-04): acceptable form received Buyer Comment (2026-02-04): Do not Concur. The original creditor field in [Redacted] was correctly entered as a [Redacted] affiliate which matched the Title schedule B. The rescindable amount is negative value. There were netting escrows on the [Redacted] payoff and the escrow balance on that lien was negative also. These negative amounts play a role in the [Redacted] system to why the H-8 form was selected. |
02/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033377 | 3158622195 | 35707695 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225033377 | 3158622195 | 35707734 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to application date is [Redacted] and the earliest dated LE in file is dated [Redacted] which was more than 3 business days after application. | Reviewer
Comment (2026-02-09): evidence of actual application date received and LE and initial package documentation was provided timely |
02/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NC | Second Home | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033377 | 3158622195 | 35707737 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Reviewer
Comment (2026-02-09): evidence of interim CD delivery to borrower has been received Buyer Comment (2026-02-09): Do not Concur. APR decreased out of tolerance on CDv2. CDv2 was sent via DocMagic [Redacted] within 3 business days of closing. The final CD the APR and Finance charge both decreased at closing and no new waiting period is required. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | TRID timing exception, no remediation available. | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225033377 | 3158622195 | 35707738 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of lender credit changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer
Comment (2026-02-09): valid COC and timely disclosure of lender credit change received Buyer Comment (2026-02-09): Do not Concur. Valid CICs for product, LnRate, and loan point changes [Redacted]. CDv2 disclosed timely [Redacted] |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033377 | 3158622195 | 35707739 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Application date is [Redacted] and the earliest dated LE in file is dated [Redacted] which was more than 3 business days after application. | Reviewer
Comment (2026-02-09): evidence of actual application date received and LE and initial package documentation was provided timely Buyer Comment (2026-02-06): Do not Concur. Application package and initial LE are within 3 days. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225033377 | 3158622195 | 35707741 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Ten Percent Fees changed to $[Redacted] on the final CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final
CD) resulting in a cleared exception. Buyer Comment (2026-02-06): Do not Concur. Ten percent tolerance violation already cured at closing |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033377 | 3158622195 | 35707742 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer
Comment (2026-02-09): [Redacted] received a valid COC. Buyer Comment (2026-02-06): Do not Concur. Valid CIC [Redacted] and complexity comments attached. LEv2 disclosed timely same day |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033379 | 3158622198 | 35709933 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-09): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-02-06): Do not Concur. Lock expiration and Loan points CIC [Redacted]. Cdv2 disclosed timely [Redacted] |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033379 | 3158622198 | 35710194 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Provide VVOE for borrower within 10 business days of the Note. | Reviewer
Comment (2026-02-09): VVOE documentation received Buyer Comment (2026-02-09): VVOE completed via EVD which [Redacted] Internal Database for Employment |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033380 | 3158622199 | 35700086 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer
Comment (2026-02-02): Sufficient Cure Provided At Closing |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225033381 | 3158622200 | 35708191 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Application date is [Redacted] and the earliest dated Loan Estimate in file is dated [Redacted] which was not within 3 business days of application. | Reviewer
Comment (2026-02-06): evidence of actual application date has been recieved Buyer Comment (2026-02-06): Do not Concur. LE and aplication package are within 3 days. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033381 | 3158622200 | 35751082 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding due to application date is [Redacted] and the earliest dated Loan Estimate in file is dated [Redacted]which was not within 3 business days of application. | Reviewer
Comment (2026-02-06): evidence of actual application date has been recieved Buyer Comment (2026-02-06): Do not Concur. See attached signed waiver |
02/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225033382 | 3158622202 | 35707980 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): valid COC and timely disclosure received Buyer Comment (2026-02-06): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. LEv3 disclosed timley [Redacted] |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033382 | 3158622202 | 35707981 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer
Comment (2026-02-06): updated title fees to [Redacted]% bucket, fee tolerance issue resolved Buyer Comment (2026-02-06): Do not Concur. This is a refinance and [Redacted]forgot to include the title fees in the [Redacted]% bucket. Please recalculate. No cure required. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033383 | 3158622203 | 35702285 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. | Reviewer
Comment (2026-02-06): PCCD, LOX, refund check, and proof of delivery was provided to borrower prior to TPR review Buyer Comment (2026-02-06): Please see attached PCCD, refund, and proof of shipping |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033383 | 3158622203 | 35702286 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. | Reviewer
Comment (2026-02-06): PCCD, LOX, refund check, and proof of delivery was provided to borrower prior to TPR review Buyer Comment (2026-02-06): Please see attached PCCD, refund, and proof of shipping |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225033383 | 3158622203 | 35714456 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception DTI exceeding guidelines maximum DTI maximum of [Redacted]%. Exception approved with comp factors. | The
representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-04): Exception approved with comp factors. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225033383 | 3158622203 | 35714462 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception DTI exceeding guidelines maximum DTI maximum of [Redacted]%. Exception approved with comp factors. | The
representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer
Comment (2026-02-04): Exception approved with comp factors. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||