EXHIBIT 99.11
CONSOLIDATED ANALYTICS VALUATIONS SUMMARY REPORT
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
61 |
6191563285 | PennyMac Loan Services, LLC |
Twu | 10/08/2025 | $1,222,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower at consummation. Per the appraisal acknowledgment disclosure, the borrower waived the timing requirements but nothing in the file confirmed a copy was provided at closing. | Evidence | 11/24/2025 | Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material |
11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.6% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 7.24 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.6% is less than Guideline CLTV of 89.99% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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61 |
6191563285 | PennyMac Loan Services, LLC |
Twu | 10/08/2025 | $1,222,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Invalid — See page 591 of the Original submission bookmarks ; HVE |
11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender’s response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.6% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 7.24 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.6% is less than Guideline CLTV of 89.99% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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61 |
6191563285 | PennyMac Loan Services, LLC |
Twu | 10/08/2025 | $1,222,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.6% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 7.24 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.6% is less than Guideline CLTV of 89.99% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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71 |
6191574110 | PennyMac Loan Services, LLC |
Yokem | 10/15/2025 | $1,110,555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/27/2025 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15,173.09.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $15,173.09 ; cure package requires a PCCD, LOE, Copy of Refund Check, and proof delivery or a Valid COC. TILA 130b Cure Required. The exception is tied to the missing Initial LE Issued within 3 business days of the application date of 9/12/2025 (per compliance report in file) , as the earliest available LE is dated 9/19/2025. Please provide the initial LE (dated 09/12/25 per compliance report in file) issued within 3 business days of the application date of 09/12/2025. Additional testing will be completed, once the initial LE is provided. |
Initial loan pkg; LE | 11/26/2025 | Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided an LE; however, it is not for the subject transaction. Condition retained. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 14.54 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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71 |
6191574110 | PennyMac Loan Services, LLC |
Yokem | 10/15/2025 | $1,110,555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/27/2025 | Resolved | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than 10% Test |
This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($7,928.33) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $7,928.33 ; cure package requires a PCCD, LOE, Copy of Refund Check, and proof delivery or a Valid COC. TILA 130b Cure Required. The exception is tied to the missing Initial LE Issued within 3 business days of the application date of 9/12/2025 (per compliance report in file) , as the earliest available LE is dated 9/19/2025. Please provide the initial LE (dated 09/12/25 per compliance report in file) issued within 3 business days of the application date of 09/12/2025. Additional testing will be completed, once the initial LE is provided. |
Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 14.54 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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71 |
6191574110 | PennyMac Loan Services, LLC |
Yokem | 10/15/2025 | $1,110,555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/27/2025 | Resolved | finding- 3515 |
Compliance | Initial Loan Estimate Delivery Date Test (from application) |
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor’s offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer’s written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer’s application. Documentation required to clear exception. According to Mavent report, initial Loan application date is 09/12/2025 and Initial LE is dated 09/12/2025. Earliest LE provided in file is dated 09/19/2025 which exceeds the timing regulation. Please provide the initial LE issued within 3 business days of the application date of 9/12/2025 Additional testing will be completed, once the initial LE is provided. | Lender provided Initial LE. Condition cleared.; Lender provided Initial LE. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 14.54 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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71 |
6191574110 | PennyMac Loan Services, LLC |
Yokem | 10/15/2025 | $1,110,555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/27/2025 | Resolved | finding- 3367 |
Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator’s application date (or the date creditor received application if loan originator’s application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception. According to Mavent report, initial Loan application date is 9/12/2025. Homeownership counseling organization disclosure is dated 9/19/2025 which exceeds the timing regulation. Please send Homeownership counseling organization disclosure within 3 days of application. | RESPA Homeownership Counseling Organizations | 11/18/2025 | Resolved as we have received the timely disclosure. ; Material | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 14.54 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99% |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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71 |
6191574110 | PennyMac Loan Services, LLC |
Yokem | 10/15/2025 | $1,110,555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Invalid — provided in the original bookmark page 502-503 | 11/13/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender’s response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 14.54 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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71 |
6191574110 | PennyMac Loan Services, LLC |
Yokem | 10/15/2025 | $1,110,555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 14.54 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
72 |
6191574325 | PennyMac Loan Services, LLC |
Thallam | 10/09/2025 | $960,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Rescinded | FPRO1137 | Property | The appraiser was not licensed (Primary Value) |
Primary Value appraiser’s license was not effective prior to the Valuation Date or expired prior to the Valuation Date | Invalid — Appraisers License was in effect and did not expire — 2/28/26 expiration date | 11/25/2025 | Audit reviewed Lender’s response and has determined the appraiser’s license was active at the time the appraisal was completed. Condition rescinded.; Primary Value appraiser’s license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided | 12/02/2025 | C | A | A | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
72 |
6191574325 | PennyMac Loan Services, LLC |
Thallam | 10/09/2025 | $960,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid per the UCDP’s provided — LCA 2.5, CU score 1 | 11/13/2025 | Third party valuation product provided within tolerance.; BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender’s response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 6.27 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
72 |
6191574325 | PennyMac Loan Services, LLC |
Thallam | 10/09/2025 | $960,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 6.27 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
77 |
6191585874 | PennyMac Loan Services, LLC |
Parat | 10/15/2025 | $1,204,000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien |
Title Coverage Amount of $1200000 is Less than Total Amount of Subject Lien $1204000 Provide Title with Coverage Amount of Subject Lien $1,204,000 | Title policy | 01/22/2026 | Lender provided the title update/supplement showing sufficient coverage. Condition cleared.; Title Coverage Amount of $1204000 is equal to or greater than Total Amount of Subject Lien $1204000; Material | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.9 years on job. Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50% |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
77 |
6191585874 | PennyMac Loan Services, LLC |
Parat | 10/15/2025 | $1,204,000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/27/2025 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,050.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $1050; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $1050 is due to increase from $0 to $1050 for the survey fee that was added to CD 10/14/2025. A COC is required to determine if this was a valid change. | PCCD | 11/25/2025 | Lender provided LOE and PCCD correcting Survey Fee to section H. Condition cleared.; Lender provided LOE and PCCD correcting Survey Fee to section H. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.9 years on job. Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
77 |
6191585874 | PennyMac Loan Services, LLC |
Parat | 10/15/2025 | $1,204,000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Invalid per the UCDP’s provided — CU score 1.2, LCA 1 | 11/13/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender’s response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.9 years on job. Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
77 |
6191585874 | PennyMac Loan Services, LLC |
Parat | 10/15/2025 | $1,204,000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.9 years on job. Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
70 |
6191573847 | PennyMac Loan Services, LLC |
Puketza | 10/01/2025 | $1,200,000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE1145 | Credit | Title Document Missing |
Title Document is missing Provide Title Document | Please review the uploaded doc | 01/12/2026 | Lender provided the title for the subject property. Condition cleared.; Lender provided the title for the subject property. Condition cleared. ; Lender provided the title for the subject property. Condition cleared. ; Title Document is fully Present; Title Document is missing Provide Title Document | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
70 |
6191573847 | PennyMac Loan Services, LLC |
Puketza | 10/01/2025 | $1,200,000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert |
Missing Property Tax Cert Provide Property Tax Cert | already provided | 11/18/2025 | Property Tax Cert Provided; Resolved as we have received the tax cert from lender. ; Missing Property Tax Cert Provide Property Tax Cert | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
70 |
6191573847 | PennyMac Loan Services, LLC |
Puketza | 10/01/2025 | $1,200,000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/27/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation 10/01/2025 | Appraisal Delivery | 12/08/2025 | Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation 10/01/2025 |
12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
70 |
6191573847 | PennyMac Loan Services, LLC |
Puketza | 10/01/2025 | $1,200,000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE1467 | Credit | Asset 1 Missing |
Asset 1 Missing. Lender to provide Merrill money market acct #7133 amt $453,564.34 | already provided | 11/18/2025 | Cleared as we have received the missing assets. ; Asset 1 Provided; Asset 1 Missing. Lender to provide Merrill money market acct #7133 amt $453,564.34 | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
70 |
6191573847 | PennyMac Loan Services, LLC |
Puketza | 10/01/2025 | $1,200,000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Invalid — CU Score 1.8, LCA 1.5 per the UCDP already provided | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
70 |
6191573847 | PennyMac Loan Services, LLC |
Puketza | 10/01/2025 | $1,200,000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
87 |
6191602473 | PennyMac Loan Services, LLC |
Kampmann | 10/10/2025 | $1,100,800.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/27/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation | The last uploaded provided clearly shows that the appraisal was mailed out on 9/30 which is the date of the document ; Note — these letters have never been rejected in past trades ; This is not a LOE — this is the same mail out letter that we use on all six series loans and have provided this and evidence of mailing the appraisal multiple times and have not been rejected for it. ; Letter | 12/12/2025 | Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Audit reviewed Lender’s response. The letter provided is not dated and cannot be used to verify the date the appraisal was provided to the Borrower. Please provide documentation that reflects the date the appraisal was provided to the Borrower. Condition retained.; Audit reviewed Lender’s response. The mail out letter is not dated. The piece that is missing is the evidence of mailing reflecting the date the appraisal was provided to the Borrower to verify the Borrower received the appraisal 3 days prior to consummation. The Notice of Right to Receive copy of Appraisal, Borrower chose to receive appraisal at least 3 days prior to consummation. Please provide verification of Borrower’s receipt of appraisal at least 3 days prior to consummation. Condition retained. ; Lender provided a LOE to the Borrower; however, it is not dated. Please provide verification of the date the Borrower received the appraisal. Condition retained.; Material |
12/15/2025 | Borrower has stable job time — Borrower has 2.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 33.22% is less than Guideline DTI of 50% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
87 |
6191602473 | PennyMac Loan Services, LLC |
Kampmann | 10/10/2025 | $1,100,800.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — See page 1230 of the Original Submission bookmarks ; HVE | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender’s response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Borrower has stable job time — Borrower has 2.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 33.22% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
87 |
6191602473 | PennyMac Loan Services, LLC |
Kampmann | 10/10/2025 | $1,100,800.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Borrower has stable job time — Borrower has 2.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 33.22% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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158 |
6691575261 | Straight Deal Mortgage |
Wen | 10/01/2025 | $1,040,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements |
When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two Etrade accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. | It would be much more helpful and time saving if you would ask for all of the items required in the first exception and not in the rejection reason. All of those statements were provided in the original file submission; Per AUS — Funds to close — $238,172.24 — Reserves required to be verified — $0.00 | 12/03/2025 | Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Funds are found to meet guidelines.; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two Etrade accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. ; Lender provided the EXTrade accounts ending in 9210; however, did not provide the Discover, Vanguard, Empower, BOA, Chase, Charles Schwab or the Fidelity statements reflected on the 1003 and AUS. The AUS reflects a total verified asset balance of $433,968.78. Please provide asset documentation used in qualification that total $433,968.78. Condition retained.; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two Etrade accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. ; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two Etrade accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 4.26 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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158 |
6691575261 | Straight Deal Mortgage |
Wen | 10/01/2025 | $1,040,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) |
Audited Reserves of $ are less than Guideline Required Reserves of $24522.51. Audited Reserves of $0 are less than Guideline Required Reserves of $24,522.51. | It would be much more helpful and time saving if you would ask for all of the items required in the first exception and not in the rejection reason. All of those statements were provided in the original file submission; Invalid — Per AUS Submission 10 — no reserves are required to be verified. | 12/03/2025 | Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Lender provided the EXTrade accounts ending in 9210; however, did not provide the Discover, Vanguard, Empower, BOA, Chase, Charles Schwab or the Fidelity statements reflected on the 1003 and AUS. The AUS reflects a total verified asset balance of $433,968.78. Please provide asset documentation used in qualification that total $433,968.78. Condition retained.; Audited Reserves of $ are less than Guideline Required Reserves of $24522.51. Audited Reserves of $0 are less than Guideline Required Reserves of $24,522.51. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 4.26 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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158 |
6691575261 | Straight Deal Mortgage |
Wen | 10/01/2025 | $1,040,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We agree with audit’s value for the following; ULI RVDPPPGHCGZ40J4VQ731669157526157 NMLS 244388 Total Loan Costs $10,553.42 |
11/18/2025 | Resolved as lender agrees with audit; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 244388 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is RVDPPPGHCGZ40J4VQ731669157526157 VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 244388 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is RVDPPPGHCGZ40J4VQ731669157526157 VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 244388 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is RVDPPPGHCGZ40J4VQ731669157526157 VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 244388 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is RVDPPPGHCGZ40J4VQ731669157526157 VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. |
11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 4.26 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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158 |
6691575261 | Straight Deal Mortgage |
Wen | 10/01/2025 | $1,040,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA provided. Condition cleared.; HMDA Data Tape Provided. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 4.26 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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158 |
6691575261 | Straight Deal Mortgage |
Wen | 10/01/2025 | $1,040,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/27/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within 3 business days of application 09/30/2025 | AfBD | 11/18/2025 | Resolved as we have received the missing ABD. ; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within 3 business days of application 09/30/2025 | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 4.26 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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68 |
6191573168 | Pennymac Loan Services, LLC |
Connors | 10/03/2025 | $984,000.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines |
Income and Employment Do Not Meet Guidelines Missing YTD Paystub and Prior Year w2 to support $9561.12 monthly for B1 | 2024 W2; All of this was previously provided | 12/10/2025 | Lender provided 2024 W2 for Borrower 1 supporting income. Condition cleared.; Income and Employment Meet Guidelines; Lender provided the YTD pay stub and 2023 W2. Please provide the 2024 W2 to meet AUS requirements for the the W2 from the most recent calendar year. Condition retained.; Income and Employment Do Not Meet Guidelines Missing YTD Paystub and Prior Year w2 to support $9561.12 monthly for B1 | 12/11/2025 | Borrower has stable job time — Borrower has 8.74 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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68 |
6191573168 | Pennymac Loan Services, LLC |
Connors | 10/03/2025 | $984,000.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements |
Asset Qualification Does Not Meet Guideline Requirements All Assets are missing. Verify Lender AUS submitted assets $485,550.95 covering a one-month period of which $267,124.14 is needed for closing costs plus $23,826.02 for subject property reserves and Balance paid monthly accounts. | Required funds to be verified $206,487.44 — Reserves to be verified $0.00 | 11/25/2025 | Lender provided asset documentation. Condition cleared.; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements All Assets are missing. Verify Lender AUS submitted assets $485,550.95 covering a one-month period of which $267,124.14 is needed for closing costs plus $23,826.02 for subject property reserves and Balance paid monthly accounts. | 12/02/2025 | Borrower has stable job time — Borrower has 8.74 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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68 |
6191573168 | Pennymac Loan Services, LLC |
Connors | 10/03/2025 | $984,000.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — Page 401 of the Original File Submission is the HVE | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Borrower has stable job time — Borrower has 8.74 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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68 |
6191573168 | Pennymac Loan Services, LLC |
Connors | 10/03/2025 | $984,000.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation 10/03/2025 | Appraisal Delivery | 11/14/2025 | Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation 10/03/2025 |
11/17/2025 | Borrower has stable job time — Borrower has 8.74 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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68 |
6191573168 | Pennymac Loan Services, LLC |
Connors | 10/03/2025 | $984,000.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Borrower has stable job time — Borrower has 8.74 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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157 |
6691567540 | Clear Mortgage Capital, Inc. |
Lewis | 10/06/2025 | $1,188,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing |
Borrower 2 3rd Party VOE Prior to Close Missing Co borrower missing VOE | VOE; This appears to be cleared in mTrade. ; VOE | 01/12/2026 | Borrower 2 3rd Party VOE Prior to Close Was Provided. Condition cleared. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2); Audit reviewed Lender’s response and has determined the LOE from Borrower 2 employer is not dated within 10 business days of the Note date. Please provide a VVOE for Borrower 2 dated within 10 business days of the Note date or after the Note date but prior to delivery to meet AUS and FNMA requirements. Condition retained.; Audit reviewed Lender’s response and has determined the LOE from Borrower 2 employer is not dated within 10 business days of the Note date. Please provide a VVOE for Borrower 2 dated within 10 business days of the Note date or after the Note date but prior to delivery to meet AUS and FNMA requirements. Condition retained.; Borrower 2 3rd Party VOE Prior to Close Missing B2 VOE dated 09/19/2025 is not within 10 days of 10/06/2025 note date. Finding remains. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 01/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 2.61 years on job. |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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157 |
6691567540 | Clear Mortgage Capital, Inc. |
Lewis | 10/06/2025 | $1,188,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE0363 | Credit | Condominium Project is Non- Warrantable |
When the subject Property Type is a (Condominium) and the Loan Program is Agency (DU) the Condominium Project: (No), in all circumstances, must be warrantable. | The subject is a detached condo. As indicated on DU cert item #28, a project review is not required. Therefore, project warrantability is not required. Agencies do not require project reviews on detached condos |
12/15/2025 | ; Additional documentation received; exception resolved. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 2.61 years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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157 |
6691567540 | Clear Mortgage Capital, Inc. |
Lewis | 10/06/2025 | $1,188,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid | 11/13/2025 | Third party valuation product provided within tolerance.; BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender’s response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 2.61 years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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157 |
6691567540 | Clear Mortgage Capital, Inc. |
Lewis | 10/06/2025 | $1,188,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA provided. Condition cleared.; HMDA Data Tape Provided. | 11/17/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 2.61 years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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157 |
6691567540 | Clear Mortgage Capital, Inc. |
Lewis | 10/06/2025 | $1,188,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We agree | 11/13/2025 | Lender agreed with audit values. Condition cleared. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 1019555 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 3709.7 vs Lender Total Loan Costs MISSING, AUdit ULI RVDPPPGHCGZ40J4VQ731669156754037 VS. Lenders is missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. |
11/17/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 2.61 years on job. |
D | A | B | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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155 |
6691546585 | NEXA Mortgage, LLC |
Wyss | 10/03/2025 | $1,040,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/27/2025 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $25.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $25.00; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of $25.00 is due to increase from $925.00 to $950.00 for the appraisal fee from LE 09/03/2025 to LE 09/12/2025. A COC is required to determine if this is a valid change. | cure | 12/04/2025 | Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification that cure was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification that cure was applied. Cured post close, loan will be graded a B. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 15.76 years on job. |
C | B | C | B | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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155 |
6691546585 | NEXA Mortgage, LLC |
Wyss | 10/03/2025 | $1,040,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/11/2025 | Resolved | FCRE3604 |
Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We agree with audit’s values for the following; ULI — RVDPPPGHCGZ40J4VQ731669154658546 NMLS 1192274 Total Loan Costs $5,370.78 |
11/18/2025 | Resolved as lender agrees with audit. ; Resolved as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI RVDPPPGHCGZ40J4VQ731669154658546 vs Lender value missing, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 1192274 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 5370.78 vs Lender Total Loan Costs MISSING. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI RVDPPPGHCGZ40J4VQ731669154658546 vs Lender value missing, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 1192274 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 5370.78 vs Lender Total Loan Costs MISSING. Lender can clear finding by agreeing with audit value or providing documentation to support their value. |
11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 15.76 years on job. |
C | B | B | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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155 |
6691546585 | NEXA Mortgage, LLC |
Wyss | 10/03/2025 | $1,040,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | Cleared as we lender agrees with audit. ; HMDA data received, additional discrepancy finding added. ; HMDA provided. Condition cleared.; HMDA Data Tape Provided. |
11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 15.76 years on job. |
C | B | C | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
155 |
6691546585 | NEXA Mortgage, LLC |
Wyss | 10/03/2025 | $1,040,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/27/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Per the Privacy Notice Nexa Mortgage has affiliates. Provide the affiliated business disclosure dated within 3 business days of application 08/29/2025. | AfBD | 11/18/2025 | Received evidence of no affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing Per the Privacy Notice Nexa Mortgage has affiliates. Provide the affiliated business disclosure dated within 3 business days of application 08/29/2025. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 15.76 years on job. |
C | B | B | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
155 |
6691546585 | NEXA Mortgage, LLC |
Wyss | 10/03/2025 | $1,040,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Invalid — CU Score 1, LCA 1 per the UCDP’s already provided | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 15.76 years on job. |
C | B | C | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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154 |
6691473805 | First National Bank Colorado |
Chism II |
09/24/2025 | $1,626,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI |
Audited DTI of 43.26% exceeds AUS DTI of 38.78% Audit verified less monthly income. Lender did not include loss from 2024 Schedule C for Blacktop Heroes business in the amount of -$3,899.08.. AUS resubmission required. |
Please see attached | 12/03/2025 | Lender provided updated 1003, 1008 and AUS approving DTI of 42.63%. Audit DTI of 43.26% is within tolerance of the updated AUS approved DTI of 42.63%. Condition cleared. ; Audited DTI of 43.26% is less than or equal to AUS DTI of 42.63% Lender provided updated 1003, 1008 and AUS approving DTI of 42.63%. Audit DTI of 43.26% is within tolerance of the updated AUS approved DTI of 42.63%. Condition cleared.; Audited DTI of 43.26% exceeds AUS DTI of 38.78% Audit verified less monthly income. Lender did not include loss from 2024 Schedule C for Blacktop Heroes business in the amount of -$3,899.08.. AUS resubmission required. |
12/04/2025 | Borrower has stable job time — Borrower has 8.74 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.9% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 79.9% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
154 |
6691473805 | First National Bank Colorado |
Chism II |
09/24/2025 | $1,626,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added. ; HMDA provided. Condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |
11/17/2025 | Borrower has stable job time — Borrower has 8.74 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.9% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 79.9% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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154 |
6691473805 | First National Bank Colorado |
Chism II |
09/24/2025 | $1,626,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
HMDA discrepancy noted: Audit ULI RVDPPPGHCGZ40J4VQ731669147380539 vs Lender value missing, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
We agree with audit’s ULI value — RVDPPPGHCGZ40J4VQ731669147380539 We agree with audit’s NMLS value — 2113127 |
11/14/2025 | Lender agreed with audit values. Condition cleared.; Material Finding; The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 2113127 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 14446.3 vs Lender Total Loan Costs MISSING, AND Audit ULI RVDPPPGHCGZ40J4VQ731669147380539 Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/17/2025 | Borrower has stable job time — Borrower has 8.74 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.9% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 79.9% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720 |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
93 |
6191608423 | Pennymac loan Services, LLC |
Dolce | 10/15/2025 | $1,995,000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE1964 | Credit | Missing income documentation |
Lender to provide business search verifying Texas Health Care, P.L.L.C is currently active, letter in file is dated 12/22/2021. | Regarding Texas Health Care, borrower owns less than 25%. Please see VOE attached. ; Asset WS | 12/29/2025 | Resolved as we have received evidence of ownership of the company from lender. ; Lender provided an asset worksheet; however, did not provide documentation to verify the Borrower’s business Texas Health Care is an active business. Condition retained. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 10.8 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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93 |
6191608423 | Pennymac loan Services, LLC |
Dolce | 10/15/2025 | $1,995,000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non- subject property |
Lender to provide evidence property located at 1420 Whispering Dell Court is not subject to an HOA fee. | No HOA LOE; HOA | 12/12/2025 | ; Additional documentation received; exception resolved.; Lender provided HOA fees for subject property. Please provide HOA fees for Borrower’s primary residence with address of 1420 Whispering Dell Court. Condition retained.; Lender provided HOA fees for subject property. Please provide HOA fees for Borrower’s primary residence with address of 1420 Whispering Dell Court. Condition retained. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 10.8 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
93 |
6191608423 | Pennymac loan Services, LLC |
Dolce | 10/15/2025 | $1,995,000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FVAL8506 | Property | Missing Private Road Maintenance Agreement |
The subject property is located on a private road, a road maintenance agreement is reported on the Title Commitment, provide a copy of the Private Road Maintenance Agreement. | Road Maintenance | 12/05/2025 | Lender provided Road Maintenance Agreement. Condition cleared. | 12/09/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 10.8 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
93 |
6191608423 | Pennymac loan Services, LLC |
Dolce | 10/15/2025 | $1,995,000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements |
Asset Record 1 Does Not Meet G/L Requirements. The borrower’s 401k account is being used for reserves, balance reduced by outstanding loan amount, terms of allowable withdrawals was not found in the file, Lender to provide. | Per the attached Asset Worksheet, required funds including reserves is $1,139,962.40...verified liquid funds are $1,350,803.39. In this case the 401K is not being used so terms of withdrawal should not be required. | 11/28/2025 | Audit reviewed Lender’s response and has determined the 401k is not required for qualification; therefore, no additional documentation is required. Condition cleared.; Asset Record 1 Meets G/L Requirements; Asset Record 1 Does Not Meet G/L Requirements. The borrower’s 401k account is being used for reserves, balance reduced by outstanding loan amount, terms of allowable withdrawals was not found in the file, Lender to provide. ; Asset Record 1 Does Not Meet G/L Requirements. The borrower’s 401k account is being used for reserves, balance reduced by outstanding loan amount, terms of allowable withdrawals was not found in the file, Lender to provide. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 10.8 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
93 |
6191608423 | Pennymac loan Services, LLC |
Dolce | 10/15/2025 | $1,995,000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 10.8 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
93 |
6191608423 | Pennymac loan Services, LLC |
Dolce | 10/15/2025 | $1,995,000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third party valuation product provided within tolerance. | 11/04/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 10.8 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
183 |
8213463801 | Secure Financial Services, Inc. D/B/A Secure Mortgage Company, A Texas Corporation |
Denton | 09/26/2025 | $1,264,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI |
Audited DTI of 40.73% exceeds AUS DTI of 36.85% DTI calculated is higher than DTI provided. Per the WVOE in file, total income is 21633.33. | Invalid | 11/25/2025 | Audited DTI of 29.81% is less than or equal to AUS DTI of 36.85% Lender provided WVOE supporting total income calculated by Lender. The WVOE reflects Borrower has base, Bonus and Other income. Audit re-calculated DTI of 29.81%, is within tolerance of the AUS approved DTI of 36.85%. Condition cleared.; Audited DTI of 29.81% is less than or equal to AUS DTI of 36.85% Lender provided WVOE supporting total income calculated by Lender. The WVOE reflects Borrower has base, Bonus and Other income. Audit re-calculated DTI of 29.81%, is within tolerance of the AUS approved DTI of 36.85%. Condition cleared.; Audited DTI of 29.81% is less than or equal to AUS DTI of 36.85% Lender provided WVOE supporting total income calculated by Lender. The WVOE reflects Borrower has base, Bonus and Other income. Audit re-calculated DTI of 29.81%, is within tolerance of the AUS approved DTI of 36.85%. Condition cleared.; Audited DTI of 40.73% exceeds AUS DTI of 36.85% DTI calculated is higher than DTI provided. Per the WVOE in file, total income is 21633.33. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.42 years on job. |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
183 |
8213463801 | Secure Financial Services, Inc. D/B/A Secure Mortgage Company, A Texas Corporation |
Denton | 09/26/2025 | $1,264,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — See page 413 of the original submission bookmarks | 11/17/2025 | Third party valuation product provided within tolerance.; BAML approves usage of PNMC GL waterfall. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.42 years on job. |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
183 |
8213463801 | Secure Financial Services, Inc. D/B/A Secure Mortgage Company, A Texas Corporation |
Denton | 09/26/2025 | $1,264,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | HMDA | 11/17/2025 | Resolved as we have received the ULI from the lender. ; Resolved as we have received the ULI from the lender. ; Material Finding; The following HMDA Discrepancy(s) have been noted: ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI number is missing. Lender may clear finding by providing documentation to support their value. ; Resolved as we have received the ULI from the lender. ; Material Finding; The following HMDA Discrepancy(s) have been noted: ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI number is missing. Lender may clear finding by providing documentation to support their value. ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI number is missing. Lender may clear finding by providing documentation to support their value. |
11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.42 years on job. |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
183 |
8213463801 | Secure Financial Services, Inc. D/B/A Secure Mortgage Company, A Texas Corporation |
Denton | 09/26/2025 | $1,264,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added. ; HMDA Data Tape Provided. |
11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.42 years on job. |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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183 |
8213463801 | Secure Financial Services, Inc. D/B/A Secure Mortgage Company, A Texas Corporation |
Denton | 09/26/2025 | $1,264,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount |
The hazard insurance dwelling coverage of ($672000) is insufficient, not meeting the required coverage amount of ($1011200). | RCE | 11/17/2025 | Cleared as we have received the RCE.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.42 years on job. |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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183 |
8213463801 | Secure Financial Services, Inc. D/B/A Secure Mortgage Company, A Texas Corporation |
Denton | 09/26/2025 | $1,264,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was received the minimum 3 days prior to consummation. | Appraisal Delivery | 11/18/2025 | Cleared as we have received evidence of the appraisal delivery. ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was received the minimum 3 days prior to consummation. | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.42 years on job. |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
66 |
6191571666 | PennyMac Loan Services, LLC |
Pezeshkian | 09/24/2025 | $1,348,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI |
Audited DTI of 48.63% exceeds Guideline DTI of 45% DTI calculated matches the 1008 but does not match the AUS. DTI is higher than guidelines. | ; AUS shows approved DTI of 49%, calculated DTI 48.63%. Condition cleared. | 01/28/2026 | Borrower has stable job time — Borrower has 3.21 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
66 |
6191571666 | PennyMac Loan Services, LLC |
Pezeshkian | 09/24/2025 | $1,348,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — CU Score 1, LCA 2.5 per the UCDP’s already provided | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 01/21/2026 | Borrower has stable job time — Borrower has 3.21 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
66 |
6191571666 | PennyMac Loan Services, LLC |
Pezeshkian | 09/24/2025 | $1,348,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/29/2025 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($7,670.12) does not exceed or equal the comparable sum of specific and non-specific lender credits ($12,737.52). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $5,067.40; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of $5,067.40 is due to decrease from $12,737.52 to $7,670.10 from CD 09/17/2025 to FCD 09/24/2025. A COC is required to determine if this is a valid change. | COC’s, CD | 11/18/2025 | Condition resolved as we have received the valid COC for the credit decrease. ; Condition resolved as we have received the valid COC for the credit decrease. | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
66 |
6191571666 | PennyMac Loan Services, LLC |
Pezeshkian | 09/24/2025 | $1,348,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We disagree with audit’s total loan costs. PCCD reflects Total Loan Costs 16442.82 |
11/18/2025 | Resolved as we have received final total loan costs from lender. ; Resolved as we have received final total loan costs from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 16675.32 vs Lender Total Loan Costs 16442.82. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Resolved as we have received final total loan costs from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 16675.32 vs Lender Total Loan Costs 16442.82. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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66 |
6191571666 | PennyMac Loan Services, LLC |
Pezeshkian | 09/24/2025 | $1,348,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
66 |
6191571666 | PennyMac Loan Services, LLC |
Pezeshkian | 09/24/2025 | $1,348,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount |
The hazard insurance dwelling coverage of ($866700) is insufficient, not meeting the required coverage amount of ($1078400). | RCE | 11/18/2025 | Resolved as we have received the RCE from lender. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
59 |
6191545310 | PennyMac Loan Services, LLC |
Applebaum | 09/29/2025 | $1,556,250.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/28/2025 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
TILA 130b Cure Required. Refund in the amount of $120.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $120.00 is due to increase from $1025.00 to $1145.00 for the Appraisal Fee on LE 9/8/25. COC dated 09/08/2025 references the update the appraisal fee but does not provide a valid reason. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $120.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | cure | 12/16/2025 | Cured post close, this will remain a non material B grade, received lenders cure package for fee tolerance fail. ; Cured post close, this will remain a non material B grade, received lenders cure package for fee tolerance fail. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 18.6 years on job. |
C | B | C | B | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
59 |
6191545310 | PennyMac Loan Services, LLC |
Applebaum | 09/29/2025 | $1,556,250.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/18/2025 | Rescinded | finding- 3551 |
Compliance | Post- Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test |
Resolved as cure was made within 60 days of discovery. This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( 12 CFR §1026.19(f)(2)(v) )The post-consummation reason for redisclosure is “post-consummation cure for violation of tolerance/variation” or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | Rescinded as cure is valid within 60 days of discovery. | 12/18/2025 | C | B | A | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
59 |
6191545310 | PennyMac Loan Services, LLC |
Applebaum | 09/29/2025 | $1,556,250.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/18/2025 | Rescinded | finding- 3622 |
Compliance | TRID Post- Consummation Reason for Redisclosure Validation Test |
This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. | Rescinded as post close cure is valid. | 12/18/2025 | C | B | A | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
59 |
6191545310 | PennyMac Loan Services, LLC |
Applebaum | 09/29/2025 | $1,556,250.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/07/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 18.6 years on job. |
C | B | C | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
59 |
6191545310 | PennyMac Loan Services, LLC |
Applebaum | 09/29/2025 | $1,556,250.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, no discrepancies noted, condition cleared. ; HMDA Data Tape Provided. |
11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 18.6 years on job. |
C | B | C | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
90 |
6191605619 | PennyMac Loan Services, LLC. |
Hollwood | 10/09/2025 | $1,640,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/29/2025 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($21,418.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($22,140.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Lender credits incorrectly disclosed lender credit for fees over the legal limit however no fees exceeded any threshold. 10/7 change in DTI which caused a decrease in lender credits. The original 9/29 lock as been provided with the update in pricing due to the change in DTI; No fees exceeded any threshold so I do not know why $2,640 was listed as fees over the legal limit. Total credit should have been $21,418 with reduction of $722 due to the increase in DTI; Lender Credits | 11/26/2025 | Lender provided valid COC for decrease in Lender credits which as due to pricing change. The Lender also provided final settlement statement verifying the final figures and Lender credit reflected on the PCCD dated 10/10/2025. Condition cleared.; Lender provided valid COC for decrease in Lender credits which as due to pricing change. The Lender also provided final settlement statement verifying the final figures and Lender credit reflected on the PCCD dated 10/10/2025. Condition cleared.; Lender provided valid COC for decrease in Lender credits which as due to pricing change. The Lender also provided final settlement statement verifying the final figures and Lender credit reflected on the PCCD dated 10/10/2025. Condition cleared.; Audit reviewed Lender’s response and has determined the credit for increase in Closing Costs above legal limit is for the Lender Credit’s reflected on the final CD of $18,778.00 vs what should have been $21,418.00. Audit is unable to determine if the $2,640.00 was refunded to the Borrower. The final settlement statement is not in the loan file to verify correct fees. In addition, the COC form provided by Lender is dated post-closing. Settlement fees cannot decrease post-closing. Please provide final settlement statement verifying final fees and Lender credits to the Borrower. Condition retained.; TILA 130b Cure Required. Refund in the amount of $722.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $722.00 is due to decrease in Lender Credit from $22,140.00 on LE issued 10/02/25 to $18,778.00 on the final CD issued 10/09/2025 without a valid COC. PCCD in file date 10/10/2025 included a cure of $2,640 which has been applied to the total tolerance violation leaving a remaining cure due of $722.00 or a COC. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 3.83 years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
90 |
6191605619 | PennyMac Loan Services, LLC. |
Hollwood | 10/09/2025 | $1,640,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Invalid — See page 607 of the Original submission bookmarks ; HVE |
11/17/2025 | BAML approves PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender’s response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 3.83 years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
90 |
6191605619 | PennyMac Loan Services, LLC. |
Hollwood | 10/09/2025 | $1,640,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 3.83 years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
90 |
6191605619 | PennyMac Loan Services, LLC. |
Hollwood | 10/09/2025 | $1,640,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We agree | 11/13/2025 | Lender agreed with audit values. Condition cleared. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 22709.7 vs Lender Total Loan Costs 22634.7. Lender can clear finding by agreeing with audit value or providing documentation to support their value. |
11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 3.83 years on job. |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
64 |
6191570915 | PennyMac Loan Services, LLC |
Klaassen | 10/09/2025 | $1,740,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete |
The Deed of Trust is Incomplete The borrower signed as Meena Klassen, however the mortgage is vested as Meena Sharma Klassen, Trustee of the Djan Living Trust dated July 24, 2020. Therefore, the borrower should have also signed as a trustee for the trust. | Re-Executed SI; Recorded SI | 01/13/2026 | Lender provided the Deed of Trust reflecting Borrower signing as a Trustee of the Living Trust. Condition Cleared. ; The Deed of Trust is Present and Complete; Lender provided the Deed of Trust; however, it does not reflect Borrower signing as a Trustee of the Living Trust. Condition retained. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740 Borrower has stable job time — Borrower has 19.74 years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
64 |
6191570915 | PennyMac Loan Services, LLC |
Klaassen | 10/09/2025 | $1,740,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete |
The Note is Incomplete The subject property is owned by Meena Sharma Klaassen, Trustee of the Djan Living Trust dated July 24,2020. However, the note was executed only by Meena Sharma Klassen, individually, and not as trustee for the Djan Living Trust. | Note | 12/02/2025 | Lender provided Note reflecting Borrower signed as a Trustee. Condition cleared.; The Note is Present | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740 Borrower has stable job time — Borrower has 19.74 years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
64 |
6191570915 | PennyMac Loan Services, LLC |
Klaassen | 10/09/2025 | $1,740,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non- subject property |
Missing verification of $280 HOA dues (or other fee type) for REO property at 1659 Duncannon Avenue used in qualification by the lender. The Final 1003 / AUS indicates a $280 taxes/insurance/association dues fee of $280 that is unverified by documentation obtained for this REO property. | The $280 fee was added in error. Please see revised 1008, 1003 and AUS | 11/21/2025 | Lender provided updated 1003, 1008 and AUS removing the additional $280.00 on property 1659 Duncannon Avenue. Audit confirmed taxes and insurance on property match updated documentation. The schedule E supports property does not have HOA fees. Condition cleared. | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740 Borrower has stable job time — Borrower has 19.74 years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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64 |
6191570915 | PennyMac Loan Services, LLC |
Klaassen | 10/09/2025 | $1,740,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740 Borrower has stable job time — Borrower has 19.74 years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
69 |
6191573478 | PennyMac Loan Services, LLC |
Kea | 10/15/2025 | $920,000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI |
Audited DTI of 51.89% exceeds AUS DTI of 48.65% Per the credit report, the liabilities are 1126.00 which is more than the AUS on page 17, 629.00. | Supporting docs | 12/10/2025 | Lender provided documentation verifying account paid off and paid down prior to closing supporting the debt obligations Lender used to calculate the DTI. Audit re-calculated DTI of 48.92% is within tolerance of the AUS approved DTI of 48.65%. Condition cleared.; Audited DTI of 48.92% is less than or equal to AUS DTI of 48.65% Lender provided documentation verifying account paid off and paid down prior to closing supporting the debt obligations Lender used to calculate the DTI. Audit re-calculated DTI of 48.92% is within tolerance of the AUS approved DTI of 48.65%. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 734 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 3.62 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
69 |
6191573478 | PennyMac Loan Services, LLC |
Kea | 10/15/2025 | $920,000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Invalid — CU score 2.2 — LCA 1 | 11/13/2025 | Third party valuation product provided within tolerance.; BAML approves PNMC GL Waterfall for Valuation — condition cleared; Audit reviewed Lender’s response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. |
12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 734 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 3.62 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
69 |
6191573478 | PennyMac Loan Services, LLC |
Kea | 10/15/2025 | $920,000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 734 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 3.62 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
187 |
8213528554 | Stone Mortgage Corporation |
Saunders | 10/01/2025 | $1,050,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FCOM8804 | Credit | Missing Loan program disclosure |
The Designation of Homestead and Affidavit of NonHomestead document that is to be recorded with the county was completed incorrectly; the Affiant’s Homestead Property (legal description or street address) was incorrectly filled in with the subject property address of 13805 Commodores Pointe (which is a second home), instead of the borrower’s primary residence at 17118 Chapel Park Way. | Homestead Affidavit | 12/18/2025 | Lender provided corrected Affidavit of Occupancy. Condition cleared.; Material | 12/22/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 20.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700 |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
187 |
8213528554 | Stone Mortgage Corporation |
Saunders | 10/01/2025 | $1,050,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/29/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |
Appraisal Delivery | 11/19/2025 | Cleared as we have received appraisal delivery. ; Evidence of appraisal delivery provided.; Material | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 20.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700 |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
187 |
8213528554 | Stone Mortgage Corporation |
Saunders | 10/01/2025 | $1,050,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/29/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 09/04/2025 or provide confirmation the lender has no affiliates. |
Affiliated Business Disclosure - | 11/19/2025 | Required Affiliated Business Disclosure Documentation Provided; Cleared as we have received the missing document. ; Material | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 20.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700 |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
187 |
8213528554 | Stone Mortgage Corporation |
Saunders | 10/01/2025 | $1,050,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided |
Borrower 2 Photo Identification not provided. Missing verification of B2 identity via photo identification or Patriot Act Information Form completed based on the photo identification provided by the borrower. | photo identification | 11/19/2025 | Cleared as we have received the missing document. ; Photo Identification provided. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 20.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700 |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
187 |
8213528554 | Stone Mortgage Corporation |
Saunders | 10/01/2025 | $1,050,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided |
Borrower 1 Photo Identification not provided. Missing verification of B1 identity via photo identification or Patriot Act Information Form completed based on the photo identification provided by the borrower. | photo identification | 11/19/2025 | Cleared as we have received the missing document. ; Photo Identification provided. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 20.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700 |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
187 |
8213528554 | Stone Mortgage Corporation |
Saunders | 10/01/2025 | $1,050,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided |
Missing Third Party Fraud Report PennyMac guidelines require a Fraud Report (e.g. DataVerify or FraudGuard), with any potential findings satisfactorily cleared prior to closing. | Cleared as we have received the missing document. ; Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 20.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700 |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
187 |
8213528554 | Stone Mortgage Corporation |
Saunders | 10/01/2025 | $1,050,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID |
Missing US Patriot Act Disclosure or ID. Missing Patriot Act Disclosure and Photo Identification for B1 and B2. | ID | 11/18/2025 | Cleared as we have received the missing document. ; US Patriot Act Disclosure or ID provided.; Material | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 20.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700 |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
187 |
8213528554 | Stone Mortgage Corporation |
Saunders | 10/01/2025 | $1,050,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | Cleared as we have received the ULI. ; HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 20.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700 |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
187 |
8213528554 | Stone Mortgage Corporation |
Saunders | 10/01/2025 | $1,050,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI | 11/19/2025 | Resolved as we have received ULI from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 549300P6HM53I3562B04821352855418 vs Lender ULI RVDPPPGHCGZ40J4VQ731821352855418. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as we have received ULI from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 549300P6HM53I3562B04821352855418 vs Lender ULI RVDPPPGHCGZ40J4VQ731821352855418. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 20.04 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700 |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
190 |
8213568042 | United American Mortgage Corporation, a Corporation |
Bhatia | 10/01/2025 | $1,304,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete |
Borrower 1 Credit Report is Partially Present. Missing mortgage statement for borrower’s second home at 5452 Strong Stead Drrive to verify it includes escrows for taxes and insurance. | Statement | 12/02/2025 | Lender provided mortgage statement for property 5452 Strong Stead verifying escrows include both taxes and insurance. Condition cleared.; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. Missing mortgage statement for borrower’s second home at 5452 Strong Stead Drrive to verify it includes escrows for taxes and insurance. | 12/04/2025 | Borrower has stable job time — Borrower has 23.56 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50% |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
190 |
8213568042 | United American Mortgage Corporation, a Corporation |
Bhatia | 10/01/2025 | $1,304,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Appraisal Delivery | 12/03/2025 | Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. |
12/04/2025 | Borrower has stable job time — Borrower has 23.56 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50% |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
190 |
8213568042 | United American Mortgage Corporation, a Corporation |
Bhatia | 10/01/2025 | $1,304,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — CU score 2.4, LCA 2 per the UCDP’s already provided | 11/17/2025 | BAML approves usage of PNMC GL waterfall. ; Third party valuation product provided within tolerance. |
11/18/2025 | Borrower has stable job time — Borrower has 23.56 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50% |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
190 |
8213568042 | United American Mortgage Corporation, a Corporation |
Bhatia | 10/01/2025 | $1,304,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI | 11/17/2025 | Condition cleared as we have received the ULI. ; Condition cleared as we have received the ULI. ; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Lender may clear finding by providing documentation to support their value. ; Condition cleared as we have received the ULI. ; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Lender may clear finding by providing documentation to support their value. |
11/18/2025 | Borrower has stable job time — Borrower has 23.56 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50% |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
190 |
8213568042 | United American Mortgage Corporation, a Corporation |
Bhatia | 10/01/2025 | $1,304,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added. ; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |
11/18/2025 | Borrower has stable job time — Borrower has 23.56 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50% |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
190 |
8213568042 | United American Mortgage Corporation, a Corporation |
Bhatia | 10/01/2025 | $1,304,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided |
Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 11/11/2025 | Borrower has stable job time — Borrower has 23.56 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50% |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
67 |
6191572837 | PennyMac Loan Services, LLC |
Meza | 10/11/2025 | $1,220,500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Appraisal delivery | 12/08/2025 | Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material Finding |
12/09/2025 | Borrower has stable job time — Borrower has 17.71 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 54.73% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 54.73% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
67 |
6191572837 | PennyMac Loan Services, LLC |
Meza | 10/11/2025 | $1,220,500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/30/2025 | Resolved | finding- 3532 |
Compliance | Initial Closing Disclosure Delivery Date Test |
This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Provide evidence the ICD dated 10/07/2025 was received a minimum of 3 business days prior to consummation 10/11/2025. | Ryan received 10/7 = 4 business days prior to consummation Emily received 10/8 = 3 business days prior to consummation |
11/17/2025 | Lender provided verification of Borrower’s receipt of initial CD greater than 3 days prior to consummation. Condition cleared.; Lender provided verification of Borrower’s receipt of initial CD greater than 3 days prior to consummation. Condition cleared.; Lender provided verification of Borrower’s receipt of initial CD greater than 3 days prior to consummation. Condition cleared.; Lender provided verification of Borrower’s receipt of initial CD greater than 3 days prior to consummation. Condition cleared. | 11/18/2025 | Borrower has stable job time — Borrower has 17.71 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 54.73% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 54.73% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
67 |
6191572837 | PennyMac Loan Services, LLC |
Meza | 10/11/2025 | $1,220,500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Borrower has stable job time — Borrower has 17.71 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 54.73% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 54.73% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
96 |
6191610986 | PennyMac Loan Services, LLC |
Celtik | 10/16/2025 | $1,276,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FCRE8611 | Credit | Income/ Employment General |
The borrower’s base income reported on 2024 and 2023 paystubs reflect a base salary that supports income used, 2025 paystub found in the file indicates the borrower’s base income significantly decreased and the majority of income received changed to a variable amount. A letter from the employer or additional information was not found in the file addressing the borrower’s pay structure change. | We provided 2023 and 2024 paystubs. Advise what page on the Submission package the 2025 paystub can be located. | 11/25/2025 | Audit reviewed Lender’s response and has determined the gross income on the 2025 YTD pay stub and the WVOE supports the income calculated by the Lender. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 2.13 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
96 |
6191610986 | PennyMac Loan Services, LLC |
Celtik | 10/16/2025 | $1,276,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — See page 752 of the Original Submission Bookmarks | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 2.13 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
96 |
6191610986 | PennyMac Loan Services, LLC |
Celtik | 10/16/2025 | $1,276,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added. ; HMDA Data Tape Provided. |
11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 2.13 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
96 |
6191610986 | PennyMac Loan Services, LLC |
Celtik | 10/16/2025 | $1,276,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 549300226DHCWS6LXW03MTI2508716268 vs Lender value RVDPPPGHCGZ40J4VQ731619154106473 , Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
ULI | 11/14/2025 | Lender provided verification of valid ULI of RVDPPPGHCGZ40J4VQ731619161098621. Condition cleared.; Material Finding | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 2.13 years on job. |
C | A | B | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
78 |
6191588062 | PennyMac Loan Services, LLC |
Peterson | 10/16/2025 | $1,125,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/06/2025 | Rescinded | FCRE1187 | Credit | Audited LTV Exceeds AUS LTV |
Audited LTV of 64.77% exceeds AUS CLTV of 64.76% | Invalid — FHLMC LP has the correct loan amount and appraised value and is coming back with 64.76% | 11/25/2025 | Audit reviewed Lender’s response. The LTV / CLTV is within tolerance. Condition rescinded.; Audited LTV of 64.77% is less than or equal to AUS CLTV of 64.77% Audit reviewed Lender’s response. The LTV / CLTV is within tolerance. Condition rescinded. | 12/02/2025 | C | A | A | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
78 |
6191588062 | PennyMac Loan Services, LLC |
Peterson | 10/16/2025 | $1,125,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/06/2025 | Rescinded | FCRE1189 | Credit | Audited HCLTV Exceeds AUS HCLTV |
Audited HCLTV of 64.77% exceeds AUS HCLTV of 64.76% | Invalid — FHLMC LP has the correct loan amount and appraised value and is coming back with 64.76% | 11/25/2025 | Audit reviewed Lender’s response. The LTV / CLTV is within tolerance. Condition rescinded.; Audited HCLTV of 64.77% is less than or equal to AUS HCLTV of 64.77% Audit reviewed Lender’s response. The LTV / CLTV is within tolerance. Condition rescinded. | 12/02/2025 | C | A | A | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
78 |
6191588062 | PennyMac Loan Services, LLC |
Peterson | 10/16/2025 | $1,125,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/06/2025 | Rescinded | FCRE1188 | Credit | Audited CLTV Exceeds AUS CLTV |
Audited CLTV of 64.77% exceeds AUS CLTV of 64.76% | Invalid — FHLMC LP has the correct loan amount and appraised value and is coming back with 64.76% | 11/25/2025 | Audit reviewed Lender’s response. The LTV / CLTV is within tolerance. Condition rescinded.; Audited CLTV of 64.77% is less than or equal to AUS CLTV of 64.77% Audit reviewed Lender’s response. The LTV / CLTV is within tolerance. Condition rescinded. | 12/02/2025 | C | A | A | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
78 |
6191588062 | PennyMac Loan Services, LLC |
Peterson | 10/16/2025 | $1,125,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 12/02/2025 | Borrower has stable job time — Borrower has 25.63 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.77% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.77% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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78 |
6191588062 | PennyMac Loan Services, LLC |
Peterson | 10/16/2025 | $1,125,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, no discrepancies noted, condition cleared. ; HMDA data received, no discrepancies noted, condition cleared. ; HMDA Data Tape Provided. |
11/14/2025 | Borrower has stable job time — Borrower has 25.63 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.77% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.77% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
159 |
6691577267 | Stone Bridge Mortgage Inc |
Foran | 10/10/2025 | $1,266,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
10/31/2025 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $30.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required: Refund in the amount of $30. Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC; The Tolerance violation in the amount of $30 is due to increase in Appraisal Fee from $735 to $765 on CD 10/2/2025 with no corresponding COC. | cure | 12/04/2025 | Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B. | 12/10/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 5.03 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99% |
C | B | C | B | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
159 |
6691577267 | Stone Bridge Mortgage Inc |
Foran | 10/10/2025 | $1,266,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — LCA 2.5, CU score 1 per the UCDP’s already provided | 11/17/2025 | BAML approves usage of PNMC GL waterfall. ; Third party valuation product provided within tolerance. |
11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 5.03 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99% |
C | B | C | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
159 |
6691577267 | Stone Bridge Mortgage Inc |
Foran | 10/10/2025 | $1,266,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA provided. Condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 11/17/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 5.03 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99% |
C | B | C | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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159 |
6691577267 | Stone Bridge Mortgage Inc |
Foran | 10/10/2025 | $1,266,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We agree with audit’s value for the following; NMLS — 276890 ULI — RVDPPPGHCGZ40J4VQ731669157726753 Total loan costs — $6125.7 |
11/14/2025 | Lender agreed with audit values. Condition cleared. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 276890 vs Lender NMLS ID — MISSING. Audit Total Loan Costs 6125.7 vs Lender Total Loan Costs MISSING. Audit ULI RVDPPPGHCGZ40J4VQ731669157726753 VS. lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. |
11/17/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 5.03 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99% |
C | B | B | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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174 |
7019828014 | PennyMac Loan Services, LLC. |
Soto | 10/10/2025 | $1,015,150.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. Please see CU/LCA- meets guidelines | 01/06/2026 | Lender provided UCDP reflecting a CU score of 1.4; therefore, a CDA is not required. Condition cleared.; Third party valuation product provided within tolerance. | 01/06/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.19% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 761 is greater than Guideline minimum FICO of 680 Original LTV is Below the Guideline Maximum — Calculated LTV of 57.19% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 16.87 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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174 |
7019828014 | PennyMac Loan Services, LLC. |
Soto | 10/10/2025 | $1,015,150.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We agree with audit’s total loan costs -$5209.15 | 11/18/2025 | Cleared as lender agrees with audit. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 5209.15 vs Lender Total Loan Costs 4935.45. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.19% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 761 is greater than Guideline minimum FICO of 680 Original LTV is Below the Guideline Maximum — Calculated LTV of 57.19% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 16.87 years on job. |
C | A | B | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
174 |
7019828014 | PennyMac Loan Services, LLC. |
Soto | 10/10/2025 | $1,015,150.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/11/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.19% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 761 is greater than Guideline minimum FICO of 680 Original LTV is Below the Guideline Maximum — Calculated LTV of 57.19% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 16.87 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
181 |
8213420470 | The Turnkey Foundation Inc dba Arbor Financial Group, a California Corporation |
Boutelle | 10/08/2025 | $1,002,300.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/05/2025 | Resolved | FCRE1360 | Credit | Borrower 2 Paystubs Missing |
Borrower 2 Paystubs Missing Paystubs are not in file. | Borrower was on maternity leave during the loan transaction | 12/09/2025 | Lender provided email correspondence from short term insurance company and statement for bi-monthly payment for Borrower 2 for maternity leave reflecting Borrower 2 return to work date. The loan file contains email correspondence from Borrower’s employer verifying Borrower is an active employee received 100% of her current rate of pay. Documentation provided and in file meets AUS and FNMA requirements. Condition cleared.; Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) Lender provided email correspondence from short term insurance company and statement for bi-monthly payment for Borrower 2 for maternity leave reflecting Borrower 2 return to work date. The loan file contains email correspondence from Borrower’s employer verifying Borrower is an active employee received 100% of her current rate of pay. Documentation provided and in file meets AUS and FNMA requirements. Condition cleared. | 12/11/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99% |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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181 |
8213420470 | The Turnkey Foundation Inc dba Arbor Financial Group, a California Corporation |
Boutelle | 10/08/2025 | $1,002,300.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added. ; HMDA Data Tape Provided. |
11/25/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99% |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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181 |
8213420470 | The Turnkey Foundation Inc dba Arbor Financial Group, a California Corporation |
Boutelle | 10/08/2025 | $1,002,300.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We create ULI for this client RVDPPPGHCGZ40J4VQ731821342047096. Please review | 11/24/2025 | Lender provided snippet of Ecompass verifying valid ULI of RVDPPPGHCGZ40J4VQ731821342047096. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI number missing. Lender may clear finding by providing documentation to support their value. | 11/25/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99% |
D | A | B | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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181 |
8213420470 | The Turnkey Foundation Inc dba Arbor Financial Group, a California Corporation |
Boutelle | 10/08/2025 | $1,002,300.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99% |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
192 |
8213607548 | Juniper Financial, LLC |
Vidal | 10/07/2025 | $984,889.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing The Privacy disclosure shows Juniper Financial has affiliates. Provide the affiliated business disclosure dated within 3 business days of application 09/11/2025 | AfBD | 11/24/2025 | Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding; Required Affiliated Business Disclosure Missing The Privacy disclosure shows Juniper Financial has affiliates. Provide the affiliated business disclosure dated within 3 business days of application 09/11/2025 |
11/25/2025 | Borrower has stable job time — Borrower has 8.77 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
192 |
8213607548 | Juniper Financial, LLC |
Vidal | 10/07/2025 | $984,889.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/21/2025 | Borrower has stable job time — Borrower has 8.77 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
192 |
8213607548 | Juniper Financial, LLC |
Vidal | 10/07/2025 | $984,889.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/14/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | RVDPPPGHCGZ40J4VQ731821360754807 we provided you an attachment to our system — We create the ULI’s — please clear and stop rejecting for no valid reason; ULI |
11/20/2025 | Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731821360754807. Condition cleared.; Remains active as we have not received anything from lender. ; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 11/21/2025 | Borrower has stable job time — Borrower has 8.77 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
192 |
8213607548 | Juniper Financial, LLC |
Vidal | 10/07/2025 | $984,889.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product provided Within Tolerance. | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product provided Within Tolerance. | 11/18/2025 | Borrower has stable job time — Borrower has 8.77 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
56 |
6191520445 | PennyMac Loan Services, LLC |
Levito | 10/17/2025 | $860,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/06/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements |
Asset Qualification Does Not Meet Guideline Requirements Missing documentation verifying the EMD $107,500.00 (Source and seasoning). | Previously provided | 11/24/2025 | Lender provided escrow letter from attorney for receipt of EMD and provided investment statement verifying transfer, with and source and seasoning of EMD. Condition cleared.; Asset Qualification Meets Guideline Requirements | 11/25/2025 | Borrower has stable job time — Borrower has 4.08 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 745 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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56 |
6191520445 | PennyMac Loan Services, LLC |
Levito | 10/17/2025 | $860,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Borrower has stable job time — Borrower has 4.08 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 745 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
63 |
6191569738 | PennyMac Loan Services, LLC |
Brown | 10/15/2025 | $1,400,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 12/18/2025 | Rescinded | finding- 3719 |
Compliance | TILA Post- Consummation Revised Closing Disclosure Finance Charge Test |
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is $1,720,824.23. The disclosed finance charge of $1,720,664.50 is not considered accurate because it is understated by more than $100. | Invalid as fee was cured by lender. | 12/18/2025 | C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
63 |
6191569738 | PennyMac Loan Services, LLC |
Brown | 10/15/2025 | $1,400,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 12/18/2025 | Rescinded | finding- 3551 |
Compliance | Post- Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test |
This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( 12 CFR §1026.19(f)(2)(v) )The post-consummation reason for redisclosure is “post-consummation cure for violation of tolerance/variation” or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | Rescinded as cure was made within 60 days of discovery. | 12/18/2025 | C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
63 |
6191569738 | PennyMac Loan Services, LLC |
Brown | 10/15/2025 | $1,400,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $120.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $100.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $100.00 is due to increase from $0.00 to $120.00 for the Appraisal Field Review Fee. A lender credit for cure in the amount of $20.00 was not sufficient to cure the entire violation leaving the amount of $100.00 to cure violation. | cure | 12/16/2025 | Condition cured post close as we have received evidence of lender cure. ; Condition cured post close as we have received evidence of lender cure. | 12/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 24.94% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 20.47 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720 |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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63 |
6191569738 | PennyMac Loan Services, LLC |
Brown | 10/15/2025 | $1,400,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 24.94% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 20.47 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720 |
C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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176 |
7300001801 | PennyMac Loan Services, LLC |
Abelson | 09/19/2025 | $1,126,975.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($2,952.67) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,547.62). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Audit reviewed Lender’s response and has determined the loan amount increase and interest rate decrease does not require and additional 3 day waiting period on this loan. The APR decreased, a prepayment was not added and the loan product did not change on this loan; therefore, an additional 3 day waiting period is not required and the disclosure of the decrease in Lender credits due to the interest rate decrease is within tolerance. Condition cleared.; Lender provided a COC and re-disclosed CD dated 09/17/2025 reflecting rate re-lock at a lower rate which decreased the Lender credits. Audit re-ran compliance and has determined the Borrower did not receive the change at least 3 days prior to consummation. Condition retained.; 11/25/2025: Finding added due to initial CD provided. Please provide verification of rate lock date. The initial CD reflects Lender Credits of $5,547.62 and final CD reflects Lender Credits of $2,952.67. Please provide verification of rate lock date and valid COC for decrease in Lender credits from $5,547.62 on initial CD to $2,952.67 on final CD. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.15 years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
176 |
7300001801 | PennyMac Loan Services, LLC |
Abelson | 09/19/2025 | $1,126,975.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/06/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) |
Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) The loan file is missing asset verification. Short the required 3 months reserves. | Asset Docs | 11/20/2025 | Lender provided Borrower’s Asset documentation. Condition cleared.; Audited Reserves of 8.37 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) Lender provided Borrower’s Asset documentation. Condition cleared. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.15 years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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176 |
7300001801 | PennyMac Loan Services, LLC |
Abelson | 09/19/2025 | $1,126,975.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/07/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided Missing documentation to verify net rental income for 12485 Northwoods Blvd required by DU. | Schedule E; the finding for “Borrower 1 Credit Report is Partially Present” was cleared...can this be cleared as well? | 12/15/2025 | AUS is not incomplete; Additional documentation received; exception resolved.; Audit reviewed Lender’s response. Please provide schedule E or Lease agreement supporting rental income of $2,900.00 used for property 12485 Northwoods Blvd. Condition retained. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.15 years on job. |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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176 |
7300001801 | PennyMac Loan Services, LLC |
Abelson | 09/19/2025 | $1,126,975.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.15 years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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176 |
7300001801 | PennyMac Loan Services, LLC |
Abelson | 09/19/2025 | $1,126,975.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/14/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We agree with Audit values, NMLA 332323, Loan Type Conventional, Loan Purpose Refinancing | 11/24/2025 | Lender agreed with audit values. Condition cleared.; Remains active as we have not received anything from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). AND Audit Loan Type Conventional vs Lender Loan Type missing. AND Audit Loan Purpose Refinancing vs Lender Loan Purpose MISSING. AND Audit Mortgage Loan Originator NMLS ID – 332323 vs Lender NMLS ID — MISSING. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.15 years on job. |
D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
176 |
7300001801 | PennyMac Loan Services, LLC |
Abelson | 09/19/2025 | $1,126,975.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | finding- 3532 |
Compliance | Initial Closing Disclosure Delivery Date Test |
Documentation required to clear exception. Missing the Initial Closing Disclosure issued and acknowledged by the borrower at least 3 days prior to the loan consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Initial CD ; Initial disclosures; Econsent and Initial LE | 11/24/2025 | Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.; Lender provided initial disclosures that included the initial Loan Estimate (LE). Please provide the initial Closing Disclosure (CD) to properly complete compliance testing. Condition retained.; Lender provided initial LE; however, it is not for the subject transaction and Lender did not provide initial CD for subject transction. Condition retained. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.15 years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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176 |
7300001801 | PennyMac Loan Services, LLC |
Abelson | 09/19/2025 | $1,126,975.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/07/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines |
Income and Employment Do Not Meet Guidelines Missing VOE from the Work Number or Truework received by DU on 09/12/2025 for Borrower. | VOE’s; VOE | 11/24/2025 | Lender provided WVOE for both Borrower’s that was used by the AUS to validate both Borrowers employment and income. Condition cleared.; Income and Employment Meet Guidelines; Lender provided WVOE for Borrower 1 and Borrower 2; however, the Rep ID on the WVOE’s provided do not match the AUS in file. Please provide the WVOE from Truework for Borrower 2 and The Work Number for Borrower 1 that the DU used to validate the employment and income for each Borrower. Condition retained. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.15 years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
176 |
7300001801 | PennyMac Loan Services, LLC |
Abelson | 09/19/2025 | $1,126,975.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/07/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete |
Borrower 1 Credit Report is Partially Present. Missing documentation confirming Borrower’s investment property at 12485 Northwoods Blvd has no HOA. | Statement | 11/20/2025 | Lender provided HOA statement for 12485 Northwoods. Condition cleared.; Borrower 1 Credit Report is not partially present. | 11/21/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.15 years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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176 |
7300001801 | PennyMac Loan Services, LLC |
Abelson | 09/19/2025 | $1,126,975.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing |
The eSigned consent disclosure is missing. The eSigned documents consent is missing for the initial disclosures esigned 8/29/2025. | econsent; Econsent and Initial LE | 11/20/2025 | Lender provided verification of Borrower’s eConsent. Condition cleared. ; Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing.; Lender provided eConsent; however, it is not for the subject Borrower’s or the subject transaction. Condition retained.; Material Finding |
11/21/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.15 years on job. |
D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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176 |
7300001801 | PennyMac Loan Services, LLC |
Abelson | 09/19/2025 | $1,126,975.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Missing evidence the borrowers received the appraisal report at least 3 business days prior to the loan consummation. | Appraisal tracking | 11/20/2025 | Evidence of appraisal delivery provided. Lender provided verification of Borrower’s receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. Lender provided verification of Borrower’s receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Material Finding |
11/21/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.15 years on job. |
D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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175 |
7019871779 | PennyMac Loan Services, LLC. |
Stokwitz | 10/17/2025 | $1,553,531.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; BAML approves PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
175 |
7019871779 | PennyMac Loan Services, LLC. |
Stokwitz | 10/17/2025 | $1,553,531.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/18/2025 | Rescinded | FPRO1246 | Property | Second Appraisal is Expired |
Secondary Value Appraisal is Expired | Please see appraisal dated 9.17.25 | 11/28/2025 | Secondary Value Appraisal is Not Expired Or Secondary Valuation Does Not Exist Audit reviewed Lender’s response and has determined the updated appraisal is in file. Condition rescinded. | 12/02/2025 | C | A | A | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
175 |
7019871779 | PennyMac Loan Services, LLC. |
Stokwitz | 10/17/2025 | $1,553,531.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/11/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 4471.4 vs Lender Total Loan Costs 4221.4. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | We agree, Total Loan Costs is $4,471.4 | 11/24/2025 | Lender agreed with audit — condition cleared; Lender agreed with audit — condition cleared; Material Finding; Lender agreed with audit — condition cleared; Material Finding | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 | C | A | B | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
175 |
7019871779 | PennyMac Loan Services, LLC. |
Stokwitz | 10/17/2025 | $1,553,531.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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173 |
7019798715 | PennyMac Loan Services, LLC |
James | 10/16/2025 | $960,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 3438.40 vs Lender Total Loan Costs 3188.40. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | Agree with audit’s value — Total Loan Costs 3438.40 | 12/09/2025 | Lender agreed with audit value. Condition cleared.; Material; Material | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 | D | A | B | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
173 |
7019798715 | PennyMac Loan Services, LLC |
James | 10/16/2025 | $960,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
173 |
7019798715 | PennyMac Loan Services, LLC |
James | 10/16/2025 | $960,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/17/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Provided Within Tolerance. | This was also provided in the original submission ; Invalid CU score 2.4, LCA1 | 11/26/2025 | Third party valuation product provided within tolerance. Lender provided Freddie Mac UCDP report reflecting LCA score of 1. The FNMA risk score is 2.4. Condition cleared.; Audit reviewed Lender’s response and has determined the UCDP report is in file reflecting score of 2.4; however, the Loan Collateral Advisor (LCA) was not found in file. Please provide the LCA reflecting score less than 2.5 to meet guideline requirements. Condition retained. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
173 |
7019798715 | PennyMac Loan Services, LLC |
James | 10/16/2025 | $960,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/17/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided |
Missing Third Party Fraud Report Provide Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
182 |
8213456427 | United American Mortgage Corporation, a Corporation |
Valdez | 10/14/2025 | $1,785,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/14/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Please provide evidence that the borrower received the appraisal 3 business days prior to consummation, 10/14/2025. | Evidence | 12/10/2025 | Lender provided appraisal acknowledgement. Condition cleared. ; Evidence of appraisal delivery provided.; Material Finding |
12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 4.16 years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
182 |
8213456427 | United American Mortgage Corporation, a Corporation |
Valdez | 10/14/2025 | $1,785,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/17/2025 | Resolved | FCRE4104 | Credit | Missing explanation and supporting documentation for large deposit(s) |
A copy of the wire document for wire into Citi account ending in x3600 on 7/22/25 for $91,931.13 was not found in the file. Lender to provide copy of wire verifying source of funds. | Per FNMA B3-4.2-02, source of large deposits is not required on refinances. | 11/28/2025 | Audit reviewed Lender’s response and has determined the Citi account ending in 3600 was not needed or used in qualification; therefore, additional documentation is not required. Condition cleared. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 4.16 years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
182 |
8213456427 | United American Mortgage Corporation, a Corporation |
Valdez | 10/14/2025 | $1,785,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/17/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) |
A copy of the Modification Agreement lowering the monthly payment obligation the borrower receives for the sale of his business Safe Consulting — NPSC was not found in the file, Lender to provide. | Please see attached | 11/28/2025 | Lender provided LOE from Borrower, with Amortization Schedule and deposit statements verifying monthly deposits of $1,250.00 for sale of business National Protection and Safety Consulting. Condition cleared | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 4.16 years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
182 |
8213456427 | United American Mortgage Corporation, a Corporation |
Valdez | 10/14/2025 | $1,785,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/17/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI |
Audited DTI of 50.09% exceeds Guideline DTI of 50% Loan approved with DTI of 49.71$ and subject property taxes of $598.99 a month, the Tax Record Information Sheet provided by the Title Company indicates $4,173.94 Semi-Annual with a total of $8,347.88 / 12 months equals $695.65. Difference in PITIA is $96.66, audited income is $31.40 less than Lender income. | The borrower has several sources of income. Which source of income came in $31.40 less than our income? | 11/28/2025 | Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% Audit reviewed Lender’s response and has determined the title and property detail report supports monthly taxes of $598.99. Audit re-calculated DTI is 49.77%, which is within tolerance of the AUS approved DTI of 49.71%. Condition cleared.; Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% Audit reviewed Lender’s response and has determined the title and property detail report supports monthly taxes of $598.99. Audit re-calculated DTI is 49.77%, which is within tolerance of the AUS approved DTI of 49.71%. Condition cleared.; Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% Audit reviewed Lender’s response and has determined the title and property detail report supports monthly taxes of $598.99. Audit re-calculated DTI is 49.77%, which is within tolerance of the AUS approved DTI of 49.71%. Condition cleared. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 4.16 years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
182 |
8213456427 | United American Mortgage Corporation, a Corporation |
Valdez | 10/14/2025 | $1,785,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 4.16 years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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188 |
8213565513 | Highlands Residential Mortgage, LTD, a Limited Partnership |
Odeen | 10/16/2025 | $1,427,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI | 12/10/2025 | Lender provided snippet of Lender’s Work Dash Board verifying valid ULI of RVDPPPGHCGZ40J4VQ731821356551312. Condition cleared.; Material; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 549300KHXD7JSQUZIJ22705830335848 vs Lender ULI RVDPPPGHCGZ40J4VQ731821356551312. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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188 |
8213565513 | Highlands Residential Mortgage, LTD, a Limited Partnership |
Odeen | 10/16/2025 | $1,427,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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188 |
8213565513 | Highlands Residential Mortgage, LTD, a Limited Partnership |
Odeen | 10/16/2025 | $1,427,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/17/2025 | Resolved | FCRE1294 | Credit | Income 3 Months Income Verified is Missing |
Income 3 Months Income Verified is Missing Award letter not in file. | Award Letters | 11/28/2025 | Lender provided SSA Award letters for both Borrowers. Condition cleared.; Income 3 Months Income Verified is Present Or Not Applicable | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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188 |
8213565513 | Highlands Residential Mortgage, LTD, a Limited Partnership |
Odeen | 10/16/2025 | $1,427,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/17/2025 | Resolved | FCRE1292 | Credit | Income 1 Months Income Verified is Missing |
Income 1 Months Income Verified is Missing Award letter not in file. | Award Letters | 11/28/2025 | Lender provided SSA Award letters for both Borrowers. Condition cleared.; Income 1 Months Income Verified is Present Or Not Applicable | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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177 |
8213151403 | The Turnkey Foundation Inc dba Arbor Financial Group, A California Corporation |
Jordan | 10/10/2025 | $1,669,424.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821315140363 | 12/12/2025 | ULI provided — condition cleared; ULI provided — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.58% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.58% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 25.22 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.28% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 720 |
D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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177 |
8213151403 | The Turnkey Foundation Inc dba Arbor Financial Group, A California Corporation |
Jordan | 10/10/2025 | $1,669,424.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.58% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.58% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 25.22 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.28% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 720 |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
177 |
8213151403 | The Turnkey Foundation Inc dba Arbor Financial Group, A California Corporation |
Jordan | 10/10/2025 | $1,669,424.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided Interest rate on the AUS in file does not match the Note or 1008 in file. | AUS | 12/10/2025 | AUS is not incomplete Lender provided updated AUS reflecting interest rate that matches the Note. Condition cleared.; AUS is not incomplete Lender provided updated AUS reflecting interest rate that matches the Note. Condition cleared.; AUS is not incomplete Lender provided updated AUS reflecting interest rate that matches the Note. Condition cleared. | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.58% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.58% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 25.22 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.28% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 720 |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
60 |
6191562038 | PennyMac Loan Services, LLC |
Leaven | 10/17/2025 | $1,296,000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 814 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 28.73% is less than Guideline DTI of 45% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
178 |
8213181143 | Highpoint Mortgage Inc |
Siegel | 10/14/2025 | $1,999,200.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Curative | 11/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). There is no evidence of Appraisal delivery to the borrower at least 3 days prior to the consummation date of 10/14/25. | Appraisal Acknowledgement | 12/05/2025 | Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material Finding |
12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 20.8 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
178 |
8213181143 | Highpoint Mortgage Inc |
Siegel | 10/14/2025 | $1,999,200.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NonDel — we create the ULI | 12/02/2025 | Lender provided snippet of Lender’s Work Dash Board verifying valid ULI of RVDPPPGHCGZ40J4VQ731821318114383. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI missing. Lender may clear finding by providing documentation to support their value. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 20.8 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
178 |
8213181143 | Highpoint Mortgage Inc |
Siegel | 10/14/2025 | $1,999,200.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Curative | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 20.8 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
106 |
6191626763 | PennyMac Loan Services, LLC |
Hathaway | 10/27/2025 | $1,413,735.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Borrower has stable job time — Borrower has 23.4 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 74.72% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.72% is less than Guideline CLTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
186 |
8213527979 | The Turnkey Foundation Inc dba Arbor Financial Group, A California Corporation |
Martinie | 10/16/2025 | $980,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/12/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI | 12/30/2025 | Condition resolved as we have received lenders ULI. ; Condition resolved as we have received lenders ULI. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Condition resolved as we have received lenders ULI. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 01/02/2026 | Borrower has stable job time — Borrower has 2.8 years on job. Qualifying DTI below max allowed. — Calculated DTI of 20.16% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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186 |
8213527979 | The Turnkey Foundation Inc dba Arbor Financial Group, A California Corporation |
Martinie | 10/16/2025 | $980,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | Condition resolved as we have received lenders ULI. ; HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/02/2026 | Borrower has stable job time — Borrower has 2.8 years on job. Qualifying DTI below max allowed. — Calculated DTI of 20.16% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
186 |
8213527979 | The Turnkey Foundation Inc dba Arbor Financial Group, A California Corporation |
Martinie | 10/16/2025 | $980,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided indicates that the borrower chose to waive the right to receive the appraisal at least 3 days prior to consummation, but it does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal. | Appraisal Delivery to Borrower | 12/11/2025 | Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material |
12/15/2025 | Borrower has stable job time — Borrower has 2.8 years on job. Qualifying DTI below max allowed. — Calculated DTI of 20.16% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
156 |
6691564393 | West Capital Lending, Inc |
Kaschub | 10/16/2025 | $1,788,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien |
Title Coverage Amount of $1770000 is Less than Total Amount of Subject Lien $1788000 Final Title Policy not found in the loan file, Lender to provide policy with a minimum coverage of $1,788,000. | Final Title | 01/12/2026 | Title Coverage Amount of $1788000 is equal to or greater than Total Amount of Subject Lien $1788000; Title Coverage Amount of $1788000 is equal to or greater than Total Amount of Subject Lien $1788000; Material Finding | 01/13/2026 | Borrower has stable job time — Borrower has 5.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
156 |
6691564393 | West Capital Lending, Inc |
Kaschub | 10/16/2025 | $1,788,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI # RVDPPPGHCGZ40J4VQ731669156439369 We agree with audit’s value — total loan costs are $55,918.01 NMLS # 1714388 |
12/09/2025 | Lender provided snippet of Lender’s Work Dash Board verifying valid ULI of RVDPPPGHCGZ40J4VQ731669156439369 and agreed with audit values for total loan costs and NMLS. Condition cleared.; Material Finding; HMDA discrepancy noted: Missing Lender ULI number. Also, audit total loan costs are $55,918.01 and lenders is missing. Additionally, lenders NMLS is missing. Lender may clear finding by providing documentation to support their value. | 12/11/2025 | Borrower has stable job time — Borrower has 5.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
156 |
6691564393 | West Capital Lending, Inc |
Kaschub | 10/16/2025 | $1,788,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time — Borrower has 5.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
156 |
6691564393 | West Capital Lending, Inc |
Kaschub | 10/16/2025 | $1,788,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/19/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 09/17/2025 or provide confirmation the lender has no affiliates. | Affiliated Business; Affiliated Business | 12/09/2025 | Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding |
12/09/2025 | Borrower has stable job time — Borrower has 5.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
156 |
6691564393 | West Capital Lending, Inc |
Kaschub | 10/16/2025 | $1,788,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) |
The following inquiries appear on the borrower’s Credit Report, a signed letter of explanation was not found in the file: -09/08/25 XACTUS LLC MISC -09/07/25 XACTUS-AVANTUS/ROCKET FINANCE -09/07/25 ROCKET MORTG MISC |
LOE | 12/08/2025 | lender provided attestation that Lender obtained validation from Transunion that no new debt was obtained verifying Lender did their due diligence in reference to the credit inquiries. Condition cleared. | 12/09/2025 | Borrower has stable job time — Borrower has 5.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
62 |
6191568323 | PennyMac Loan Services, LLC |
Andrews | 10/27/2025 | $1,300,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Rescinded | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided Re run DU with approved loan amount per NOTE of $1,300,000. DU approval shows $1,306,000. | Previously provided | 12/02/2025 | AUS is not incomplete Audit reviewed Lender’s response and has determined the AUS number 16 reflecting Loan amount of $1,300,000.00 is in the loan file. Condition rescinded. | 12/04/2025 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
62 |
6191568323 | PennyMac Loan Services, LLC |
Andrews | 10/27/2025 | $1,300,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Rescinded | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non- subject property |
Missing proof of HOA or letter from borrower stating no HOA for the property at 3301 McLeod St. Additional conditional may apply. | Property is not a PUD or Condo, Schedule E does not indicate HOA | 12/02/2025 | Audit reviewed Lender’s response and has determined the schedule E supports property 3301 Macleod does not have HOA fees. Condition rescinded. | 12/04/2025 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
62 |
6191568323 | PennyMac Loan Services, LLC |
Andrews | 10/27/2025 | $1,300,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines |
Income and Employment Do Not Meet Guidelines Lender didn’t provide income worksheet or address B1 “other income’ of $880.97/mo which is needed as ratios are at 49.84% with this income. Paystubs reflect multiple types of income some are not addressed as to what they are or if they will continue. Additional conditions may apply | ICW | 12/02/2025 | Income and Employment Meet Guidelines Lender provided income calculator. The income documentation supports income calculated by Lender. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator. The income documentation supports income calculated by Lender. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator. The income documentation supports income calculated by Lender. Condition cleared. | 12/04/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 11.32 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.8% is less than Guideline CLTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
62 |
6191568323 | PennyMac Loan Services, LLC |
Andrews | 10/27/2025 | $1,300,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 11.32 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.8% is less than Guideline CLTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
189 |
8213567346 | Lincoln Capital Advisors, LLC, a Georgia Limited Liability Company |
Moroni | 10/24/2025 | $1,106,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Tracking | 12/16/2025 | Resolved as we have received evidence of appraisal delivery. ; Evidence of appraisal delivery provided.; Material Finding | 12/18/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 6.46 years on job. Borrower has 6.46 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
189 |
8213567346 | Lincoln Capital Advisors, LLC, a Georgia Limited Liability Company |
Moroni | 10/24/2025 | $1,106,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI | 12/10/2025 | Lender provided snippet of Lender’s Work Dash Board verifying valid ULI of RVDPPPGHCGZ40J4VQ731821356734642. Condition cleared.; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 5493006M8QYUT4I7DY46100000265144 vs Lender ULI RVDPPPGHCGZ40J4VQ731821356734642. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Material Finding | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 6.46 years on job. Borrower has 6.46 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
189 |
8213567346 | Lincoln Capital Advisors, LLC, a Georgia Limited Liability Company |
Moroni | 10/24/2025 | $1,106,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA discrepancy noted: Audit ULI 5493006M8QYUT4I7DY46100000265144 vs Lender value RVDPPPGHCGZ40J4VQ731821356734642 , Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value.; HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. |
12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 6.46 years on job. Borrower has 6.46 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
105 |
6191626641 | PennyMac Loan Services, LLC |
Busch II |
10/27/2025 | $922,234.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation Required, missing proof borrower received appraisal 3 days prior to closing | Appraisal delivery | 12/03/2025 | Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material Finding |
12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 30.3% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.87% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 65.87% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 3.66 years on job. |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
105 |
6191626641 | PennyMac Loan Services, LLC |
Busch II | 10/27/2025 | $922,234.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/21/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA | Invalid — LCA 2, CU 2.3 | 12/02/2025 | Lender provided FNMA UCDP reflecting risk score of 2.3 and provided Freddie Mac UCDP reflecting risk score of 2. Condition cleared.; Third party valuation product provided within tolerance. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 30.3% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.87% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 65.87% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 3.66 years on job. |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
105 |
6191626641 | PennyMac Loan Services, LLC |
Busch II | 10/27/2025 | $922,234.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 30.3% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.87% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 65.87% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 3.66 years on job. |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
107 |
6191629463 | PennyMac Loan Services, LLC |
Staats Jr. | 11/01/2025 | $928,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 28.25% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 779 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 6.46 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
94 |
6191608827 | PennyMac Loan Services, LLC |
Bjerke Mickelson |
10/24/2025 | $1,224,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Borrower has stable job time — Borrower has 16.16 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.97% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 28.49% is less than Guideline DTI of 50% Original LTV is Below the Guideline Maximum — Calculated LTV of 78.97% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
84 |
6191596505 | PennyMac Loan Services, LLC |
Reynolds | 10/23/2025 | $1,000,000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Borrower has stable job time — Borrower has 10.07 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.85% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 28.32% is less than Guideline DTI of 45% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.85% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
110 |
6191631795 | PennyMac Loan Services, LLC |
Andrews | 10/29/2025 | $924,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Evidence | 12/30/2025 | Resolved as we have received evidence of the appraisal delivery. ; Evidence of appraisal delivery provided.; Material | 01/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.96% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 66.96% is less than Guideline LTV of 89.99% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
110 |
6191631795 | PennyMac Loan Services, LLC |
Andrews | 10/29/2025 | $924,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing |
The eSigned consent disclosure is missing. Documentation required. missing proof of e-consent | Application date 10/12 Initial documents sent 10/13 Consent provided on 10/21 |
12/12/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing.; Additional documentation received; exception resolved.; Material | 01/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.96% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 66.96% is less than Guideline LTV of 89.99% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
110 |
6191631795 | PennyMac Loan Services, LLC |
Andrews | 10/29/2025 | $924,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.96% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 66.96% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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193 |
8213645638 | Optimum First Inc., a California Corporation |
Miller | 10/16/2025 | $1,263,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/20/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, Williston Financial Group has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within 3 business days of application 09/16/2025 that confirms the lender has affiliates. | Affiliated Business | 12/10/2025 | Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding |
12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
193 |
8213645638 | Optimum First Inc., a California Corporation |
Miller | 10/16/2025 | $1,263,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/20/2025 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing |
The intent to proceed is missing. Cure — Provide a signed copy of the Intent to proceed dated within 10 business day from Initial LE dated 09/18/2025. | Intent to Proceed | 12/10/2025 | Lender provided verification of Borrower’s Intent to Proceed. Condition cleared.; Proof of Intent to Proceed has been provided.; Material Finding | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
193 |
8213645638 | Optimum First Inc., a California Corporation |
Miller | 10/16/2025 | $1,263,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/20/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing |
Homeownership Counseling Disclosure Is Missing Cure- provide Homeownership counseling organizations disclosure dated within 3 days of initial application 09/16/2025. | Homeownership Counseling Disclosure | 12/10/2025 | Lender provided acknowledgment of Homeownership Counseling disclosure. Condition cleared.; Homeownership Counseling Disclosure Is Present or Not Applicable; Material Finding | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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193 |
8213645638 | Optimum First Inc., a California Corporation |
Miller | 10/16/2025 | $1,263,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 549300CSPE70WIF4Z922250900075694 vs Lender value RVDPPPGHCGZ40J4VQ731821364563803 , Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
ULI | 12/10/2025 | Lender provided snippet of Lender’s Work Dash Board verifying valid ULI of RVDPPPGHCGZ40J4VQ731821364563803. Condition cleared.; Material Finding | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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193 |
8213645638 | Optimum First Inc., a California Corporation |
Miller | 10/16/2025 | $1,263,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
91 |
6191607777 | PennyMac Loan Services, LLC |
Carcamo | 10/23/2025 | $1,560,500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 28.87% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 9.16 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
162 |
6691592172 | Loan Titan Inc |
Shay | 10/17/2025 | $3,375,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/21/2025 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $300.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $300.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $300.00 is due to increase from $2,200.00 to $2,500.00 for the Appraisal Fee. | cure | 12/29/2025 | Condition cured post close and will remain a non material B grade. Received lenders cure package for the appraisal increase fee tolerance. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 740 Qualifying DTI below max allowed. — Calculated DTI of 22.4% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 9.29 years on job. |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
162 |
6691592172 | Loan Titan Inc |
Shay | 10/17/2025 | $3,375,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/21/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, Loan Titan Inc. has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within 3 business days of application 09/22/2025 that confirms the lender has affiliates. | Affiliated Business response | 12/09/2025 | Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding |
12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 740 Qualifying DTI below max allowed. — Calculated DTI of 22.4% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 9.29 years on job. |
C | B | B | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
80 |
6191590618 | Pennymac Loan Services, LLC |
Davies | 10/22/2025 | $1,365,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing |
Borrower 2 3rd Party VOE Prior to Close Missing | VOE | 12/02/2025 | Lender provided Verification of Business dated within 10 business days of the Note date. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 12/04/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.88% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 748 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 66.88% is less than Guideline LTV of 80% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
80 |
6191590618 | Pennymac Loan Services, LLC |
Davies | 10/22/2025 | $1,365,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.88% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 748 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 66.88% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
85 |
6191599398 | PennyMac Loan Services, LLC |
Alvarez | 10/27/2025 | $940,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Rescinded | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) |
Audited Reserves of $21803.03 are less than Guideline Required Reserves of $22449.6. Guidelines require 3 months reserves and we only have 2.91 months verified. | Per the attached Asset Worksheet, verified funds $243,110.47 minus funds required to close $279,099.44 = $34,011.03 reserves. Required reserves $29,552.34. subject: 8630 SW 47th $7483.20 x 3 mos = $22,449.60 REO: 1658 Bay Road UPB $355,137 x 2% = $7102.74 Subject reserves $22449.60 + REO reserves $7102.74 = total required reserves $29,552.34 FNMA B3-4.1-01 2% of the aggregate UPB if the borrower has one to four financed properties |
12/09/2025 | Audit reviewed Lender’s response and has determined assets are sufficient for cash to close and reserves. Condition rescinded.; Audited Reserves of $34361.03 are equal to or greater than AUS Required Reserves of $22449.6. | 12/11/2025 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
85 |
6191599398 | PennyMac Loan Services, LLC |
Alvarez | 10/27/2025 | $940,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Curative | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/02/2025 | Borrower has stable job time — Borrower has 3.18 years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
97 |
6191611395 | Pennymac Loan Services, LLC |
Lloyd- Lovett |
10/27/2025 | $1,530,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/21/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date |
Hazard Insurance Effective Date of 10-30-2025 is after the Disbursement Date of 10-28-2025. Per Hazard Policy | HOI | 12/09/2025 | Lender provided hazard insurance declarations reflecting effective date of 10/27/2025. Condition cleared.; Hazard Insurance Effective Date of 10-27-2025 is prior to or equal to the Disbursement Date of 10-28-2025 Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declarations reflecting effective date of 10/27/2025. Condition cleared. | 12/11/2025 | Borrower has stable job time — Borrower has 4.91 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
97 |
6191611395 | Pennymac Loan Services, LLC |
Lloyd- Lovett |
10/27/2025 | $1,530,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/25/2025 | Borrower has stable job time — Borrower has 4.91 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
65 |
6191571387 | PennyMac Loan Services, LLC. |
Nelson | 10/27/2025 | $1,105,600.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 7.27 years on job. Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
65 |
6191571387 | PennyMac Loan Services, LLC. |
Nelson | 10/27/2025 | $1,105,600.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | finding- 3515 |
Compliance | Initial Loan Estimate Delivery Date Test (from application) |
The application date is 09/11/2025. The initial LE in file is dated 10/08/2025. It appears the initial LE is missing from the file. Upon receipt, compliance testing will be completed. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor’s offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer’s written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer’s application. | Initial LE — pages 18-20 SPL page 27 Homeownership Counseling Organizations pages 29-31 |
12/10/2025 | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 7.27 years on job. Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
65 |
6191571387 | PennyMac Loan Services, LLC. |
Nelson | 10/27/2025 | $1,105,600.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than 10% Test |
Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. Cure- Provide a copy of the Initial LE dated with 3 days of the initial application 09/11/2025. This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($7,075.75) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 7.27 years on job. Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
65 |
6191571387 | PennyMac Loan Services, LLC. |
Nelson | 10/27/2025 | $1,105,600.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. Cure- Provide a copy of the Initial LE dated with 3 days of the initial application 09/11/2025. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $24,557.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 7.27 years on job. Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
65 |
6191571387 | PennyMac Loan Services, LLC. |
Nelson | 10/27/2025 | $1,105,600.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($17,380.03) does not exceed or equal the comparable sum of specific and non-specific lender credits ($20,608.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. Cure- Provide a copy of the Initial LE dated with 3 days of the initial application 09/11/2025. | Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 7.27 years on job. Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
65 |
6191571387 | PennyMac Loan Services, LLC. |
Nelson | 10/27/2025 | $1,105,600.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | finding- 3367 |
Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |
The application date is 09/11/2025, the Homeownership Counseling Organizations Disclosure is dated 10/08/2025, greater than 3 days from the application date. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator’s application date (or the date creditor received application if loan originator’s application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. The HOC counseling disclosure in file is dated 10/08/2025 and the application date is 09/11/2025. Please provide HOC counseling disclosure dated within 3 business days of application date. | Initial LE — pages 18-20 SPL page 27 Homeownership Counseling Organizations pages 29-31 |
12/10/2025 | Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 7.27 years on job. Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
65 |
6191571387 | PennyMac Loan Services, LLC. |
Nelson | 10/27/2025 | $1,105,600.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. | CDA | 12/05/2025 | CDA dated 10/20/2025 with value of $1,382,000.00 was provided and is within 10% tolerance of appraisal value of $1,382,000.00. Condition cleared. ; Third party valuation product provided within tolerance. |
12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 7.27 years on job. Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
88 |
6191604945 | PennyMac Loan Services, LLC |
Li | 10/21/2025 | $960,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Qualifying DTI below max allowed. — Calculated DTI of 25.02% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 759 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
88 |
6191604945 | PennyMac Loan Services, LLC |
Li | 10/21/2025 | $960,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete |
Borrower 1 Credit Report is Partially Present. Verify solar agreement doesn’t require a monthly payment and meets all FHLMC requirements as agreement in file is unclear. (Note: Lien is appearing on title) | Please see attached. Power Purchase Agreements do not require payments included in DTI. | 12/05/2025 | Lender provided the Solar Power Purchase Agreement verifying no monthly payment required. Condition cleared.; Borrower 1 Credit Report is not partially present. | 12/09/2025 | Qualifying DTI below max allowed. — Calculated DTI of 25.02% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 759 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
88 |
6191604945 | PennyMac Loan Services, LLC |
Li | 10/21/2025 | $960,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines |
Income and Employment Do Not Meet Guidelines 1. Lender to provide WVOE from employer for B1 as it is unclear from paystubs a traditional salary and borrower on job less than 2 yrs. Lender worksheet showing how income was arrived at was not provided in file. Additional conditions may apply. 2. Lender to provide WVOE from employer for B2 as it is unclear from paystubs a traditional salary and borrower on job less than 2 yrs. Lender worksheet showing how income was arrived at was not provided in file. Additional conditions may apply. |
Please see attached WVOE (Peyton) and Income Worksheet (both). | 12/08/2025 | Income and Employment Meet Guidelines Lender provided income calculator for both Borrower. Income documentation supports Lender’s income calculation for both Borrowers. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator for both Borrower. Income documentation supports Lender’s income calculation for both Borrowers. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator for both Borrower. Income documentation supports Lender’s income calculation for both Borrowers. Condition cleared. | 12/09/2025 | Qualifying DTI below max allowed. — Calculated DTI of 25.02% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 759 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
75 |
6191585146 | PennyMac Loan Services, LLC. |
Hennessee | 10/22/2025 | $1,551,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Appraisal letter | 12/03/2025 | Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material Finding |
12/04/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 44.31% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 11.57 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.31% is less than Guideline CLTV of 89.99% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
75 |
6191585146 | PennyMac Loan Services, LLC. |
Hennessee | 10/22/2025 | $1,551,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 44.31% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 11.57 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.31% is less than Guideline CLTV of 89.99% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
111 |
6191632891 | Pennymac Loan Services, LLC |
Carter | 10/30/2025 | $832,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 21.14% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 9.59 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 756 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
79 |
6191588215 | PennyMac Loan Services, LLC |
Ahmed | 10/27/2025 | $1,051,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/21/2025 | Rescinded | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — SSR’s provided — CU score 2.2 LCA 2.5 — Not required | 12/02/2025 | Audit reviewed Lender’s response and has determined the UCDP is in the loan file and reflects risk score of 2.2. Condition rescinded.; Third party valuation product provided within tolerance. | 12/03/2025 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
79 |
6191588215 | PennyMac Loan Services, LLC |
Ahmed | 10/27/2025 | $1,051,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 747 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 37.26% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.75% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 73.75% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
160 |
6691584821 | Answer Home Lending |
Larson | 10/15/2025 | $988,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/02/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | “Lender calculations: ULI RVDPPPGHCGZ40J4VQ731669158482189 Total Loan Costs: $7540.70 — 11/18/25 CD NMLS 648536” |
12/12/2025 | Additional documentation received; exception resolved.; Material; HMDA discrepancy noted: Lender ULI is missing, ALSO, Lender Total Loan Costs missing. ALSO missing lenders NMLS. Lender may clear finding by providing documentation to support their value. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700 | C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
160 |
6691584821 | Answer Home Lending |
Larson | 10/15/2025 | $988,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
185 |
8213515177 | Security National Bank of Omaha, a Corporation |
Wells | 10/09/2025 | $2,000,000.00 | NE | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/12/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 5493007RCYAICJL91Z44001002948523 vs Lender ULI RVDPPPGHCGZ40J4VQ731821351517788. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | ULI is RVDPPPGHCGZ40J4VQ731821351517788 | 12/12/2025 | ULI provided — Lender confirmed — condition cleared; ULI provided — Lender confirmed — condition cleared; ULI provided — Lender confirmed — condition cleared | 12/15/2025 | Borrower has stable job time — Borrower has 6.78 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 33.11% is less than Guideline DTI of 50% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
185 |
8213515177 | Security National Bank of Omaha, a Corporation |
Wells | 10/09/2025 | $2,000,000.00 | NE | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Borrower has stable job time — Borrower has 6.78 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 33.11% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
185 |
8213515177 | Security National Bank of Omaha, a Corporation |
Wells | 10/09/2025 | $2,000,000.00 | NE | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Document Required :Missing Proof of Appraisal Delivery at least 3 business days prior to the loan consummation. | Appraisal Delivery to Borrower | 12/10/2025 | Lender provided verification of Borrower’s receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Document Required :Missing Proof of Appraisal Delivery at least 3 business days prior to the loan consummation. |
12/11/2025 | Borrower has stable job time — Borrower has 6.78 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 33.11% is less than Guideline DTI of 50% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
92 |
6191607835 | PennyMac Loan Services, LLC |
Newton | 10/24/2025 | $1,400,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.87% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 11.57% is less than Guideline DTI of 45% Original LTV is Below the Guideline Maximum — Calculated LTV of 60.87% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 4.77 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
99 |
6191612676 | PennyMac Loan Services, LLC |
Schreyer | 10/22/2025 | $1,420,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.18% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
86 |
6191600871 | PennyMac Loan Services, LLC |
Zhong | 10/21/2025 | $1,500,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines |
Income and Employment Do Not Meet Guidelines Lender to provide satisfactory explanation and identify type of income, provide lender worksheet showing and “other income” requirements to show how they arrived at $12,468.40/mo as stated in the file. Please refer to FNMA guidelines Section B3-3.1-09 other sources of income dated 10/8/2025 RSU income if this is applicable. Paystubs do not document as RSU income but as Google Stocks. Additional conditions may apply. | Income worksheet and RSU docs | 12/05/2025 | Lender provided 2023 and 2024 YTD pay stubs, stock statements and income calculator that included calculation of Google Stock income. The income documentation supports the income calculated by Lender. Condition cleared.; Income and Employment Meet Guidelines | 12/09/2025 | Borrower has stable job time — Borrower has 7.65 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 752 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.76% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 32.12% is less than Guideline DTI of 45% Original LTV is Below the Guideline Maximum — Calculated LTV of 38.76% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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86 |
6191600871 | PennyMac Loan Services, LLC |
Zhong | 10/21/2025 | $1,500,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 12/02/2025 | Borrower has stable job time — Borrower has 7.65 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 752 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.76% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 32.12% is less than Guideline DTI of 45% Original LTV is Below the Guideline Maximum — Calculated LTV of 38.76% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
76 |
6191585167 | PennyMac Loan Services, LLC |
Badwal | 10/27/2025 | $951,340.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.79% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 43.52% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 43.52% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 10.65 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
83 |
6191595687 | Pennymac Loan Services, LLC |
Chamberlain | 10/16/2025 | $1,000,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 815 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.32% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 22.07 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
104 |
6191626438 | PennyMac Loan Services, LLC |
Jagessar Thompson |
10/28/2025 | $1,400,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — CU score 1.2, LCA 2.5 | 12/04/2025 | Third party valuation product provided within tolerance. Lender provided FNMA UCDP reflecting risk score of 1.2 and Freddie UCDP reflecting risk score of 2.5; therefore, a CDA is not required. Condition cleared.; Third party valuation product provided within tolerance. Lender provided FNMA UCDP reflecting risk score of 1.2 and Freddie UCDP reflecting risk score of 2.5; therefore, a CDA is not required. Condition cleared.; Third party valuation product provided within tolerance. Lender provided FNMA UCDP reflecting risk score of 1.2 and Freddie UCDP reflecting risk score of 2.5; therefore, a CDA is not required. Condition cleared. | 12/09/2025 | Qualifying DTI below max allowed. — Calculated DTI of 33.54% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 740 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 10.69 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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104 |
6191626438 | PennyMac Loan Services, LLC |
Jagessar Thompson |
10/28/2025 | $1,400,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 33.54% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 740 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 10.69 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
95 |
6191609668 | PennyMac Loan Services, LLC |
Ahmed | 10/24/2025 | $3,480,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 806 is greater than Guideline minimum FICO of 740 Borrower has stable job time — Borrower has 25.75 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
95 |
6191609668 | PennyMac Loan Services, LLC |
Ahmed | 10/24/2025 | $3,480,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $7.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $7.00; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of $7.00 is due to increase from $99.00 to $106.00 for the Credit Fee on the initial CD. | COC | 12/10/2025 | Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower’s DOB. Condition cleared.; Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower’s DOB. Condition cleared.; Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower’s DOB. Condition cleared.; Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower’s DOB. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 806 is greater than Guideline minimum FICO of 740 Borrower has stable job time — Borrower has 25.75 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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164 |
6691608201 | Loan Remedy |
Plaehn | 10/20/2025 | $1,731,000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/02/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Lender Calculations: ULI RVDPPPGHCGZ40J4VQ731669160820180 Total Loan Costs: $4,663.70 NMLS: 1118518 |
12/10/2025 | Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731669160820180 and agreed with Total Loan Costs of $4,663.70 and NMLS of 1118518. Condition cleared.; Material; HMDA discrepancy noted: Lender ULI is missing, ALSO, Lender Total Loans Costs missing. ALSO, missing lenders NMLS. Lender may clear finding by providing documentation to support their value. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 4.98 years on job. |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
164 |
6691608201 | Loan Remedy |
Plaehn | 10/20/2025 | $1,731,000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 4.98 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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164 |
6691608201 | Loan Remedy |
Plaehn | 10/20/2025 | $1,731,000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | finding- 3515 |
Compliance | Initial Loan Estimate Delivery Date Test (from application) |
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor’s offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer’s written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer’s application. Documentation Required- Loan estimate dated within within three business days of the application date of 09/30/2025. | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 4.98 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
164 |
6691608201 | Loan Remedy |
Plaehn | 10/20/2025 | $1,731,000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $793.70.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Documentation Required- Provide initial loan estimate dated within three business days of application date of 09/30/2025. Also provide Written List of Service Providers dated within three business days of application date. If loan estimated dated 10/06/2025 is the earliest LE, cure required. TILA 130b Cure Required. Refund in the amount of $793.70; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $793.70 is due to the timing of initial LE in file dated 10/06/2025. | Initial LE, SPL, Counseling | 12/10/2025 | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 4.98 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
164 |
6691608201 | Loan Remedy |
Plaehn | 10/20/2025 | $1,731,000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than 10% Test |
This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,950.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Documentation Required- Provide initial loan estimate dated within three business days of application date of 09/30/2025. Also provide Written List of Service Providers dated within three business days of application date. If loan estimated dated 10/06/2025 is the earliest LE, cure required. TILA 130b Cure Required. Refund in the amount of $3,950; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The 10% tolerance violation in the amount of $3,950 is due to the timing of initial LE in file dated 10/06/2025. Also missing Written List of Service Providers dated within three business days of application date. | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 4.98 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
164 |
6691608201 | Loan Remedy |
Plaehn | 10/20/2025 | $1,731,000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | finding- 3367 |
Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator’s application date (or the date creditor received application if loan originator’s application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation Required- Homeownership Counseling Organizations Disclosure dated within three business days of the application date of 09/30/2025. | Homeownership Counseling Organizations Disclosure, Loan Estimate, SPL | 12/09/2025 | Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Material Finding | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 4.98 years on job. |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
82 |
6191595361 | Pennymac Loan Services, LLC |
Cotten | 10/20/2025 | $965,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA; Secondary value product attached | 12/30/2025 | Third party desk review received and within value, condition cleared.; Third party valuation product provided within tolerance.; Lender provided the appraisal; however, did not provide a CDA supporting the appraisal value within 10% tolerance. Condition retained. | 01/02/2026 | Borrower has stable job time — Borrower has 6.89 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.75% is less than Guideline CLTV of 88.99% Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of 50% Original LTV is Below the Guideline Maximum — Calculated LTV of 71.75% is less than Guideline LTV of 88.99% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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82 |
6191595361 | Pennymac Loan Services, LLC |
Cotten | 10/20/2025 | $965,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Borrower has stable job time — Borrower has 6.89 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.75% is less than Guideline CLTV of 88.99% Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of 50% Original LTV is Below the Guideline Maximum — Calculated LTV of 71.75% is less than Guideline LTV of 88.99% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
82 |
6191595361 | Pennymac Loan Services, LLC |
Cotten | 10/20/2025 | $965,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/21/2025 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($9,056.15) does not exceed or equal the comparable sum of specific and non-specific lender credits ($10,043.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required A refund in the amount of $986.85 is required. The cure package must include a Post-Closing Change Disclosure (PCCD), Letter of Explanation (LOE), Copy of Refund Check, and Proof of Delivery or a Valid Change of Circumstance (COC). A lender credit tolerance violation in the amount of $986.85 was identified due to a decrease in Lender Credits from $10,043.00 (revised LE dated 09/26/2025) to $9,056.15 (final disclosure). Amount Exceeding Allowable Tolerance: $986.85 |
COC | 12/10/2025 | Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared.; Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared.; Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared.; Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared. | 12/11/2025 | Borrower has stable job time — Borrower has 6.89 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.75% is less than Guideline CLTV of 88.99% Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of 50% Original LTV is Below the Guideline Maximum — Calculated LTV of 71.75% is less than Guideline LTV of 88.99% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
112 |
6191633119 | PennyMac Loan Services, LLC |
Chason | 11/04/2025 | $1,060,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided The most recent DU Findings included in the loan file Submission Number 11 does not include all pages. Lender to provide a complete copy of the final DU Findings. | AUS | 11/28/2025 | AUS is not incomplete Lender provided all pages to the AUS #11. Condition cleared.; AUS is not incomplete Lender provided all pages to the AUS #11. Condition cleared.; AUS is not incomplete Lender provided all pages to the AUS #11. Condition cleared. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.33% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 4.76 years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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112 |
6191633119 | PennyMac Loan Services, LLC |
Chason | 11/04/2025 | $1,060,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.33% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 4.76 years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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191 |
8213597375 | Milend, Inc., a Corporation |
Hood | 10/15/2025 | $1,162,500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 9.71 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 18.59% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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163 |
6691603325 | EquitySmart Home Loans, Inc |
Denoly | 10/21/2025 | $1,186,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/12/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731669160332561 vs Lender ULI Missing. AND Audit Total Loan Costs 3049.95 vs Lender Total Loan Costs Missing. AND Audit Loan Originator NMLS 2550859 vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | We agree with Audit Value’s ULI RVDPPPGHCGZ40J4VQ731669160332561, Total Loan Costs 3049.95 and Loan Originator NMLS 2550859. Thank you | 12/12/2025 | Lender agreed with audit — condition cleared; Lender agreed with audit — condition cleared; Lender agreed with audit — condition cleared | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.77% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.77% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 18.82% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 3.31 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 742 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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163 |
6691603325 | EquitySmart Home Loans, Inc |
Denoly | 10/21/2025 | $1,186,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.77% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.77% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 18.82% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 3.31 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 742 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
81 |
6191591972 | PennyMac Loan Services, LLC |
Fried | 11/03/2025 | $1,040,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Borrower has stable job time — Borrower has 4.39 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
58 |
6191540566 | PennyMac Loan Services, LLC |
White | 10/15/2025 | $1,108,053.00 | UT | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Qualifying DTI below max allowed. — Calculated DTI of 26.89% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 46.17% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.17% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 22.81 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
73 |
6191582777 | PennyMac Loan Services, LLC |
Wagner | 10/20/2025 | $1,500,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Borrower has stable job time — Borrower has 6.48 years on job. Qualifying DTI below max allowed. — Calculated DTI of 34.73% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 79.79% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.79% is less than Guideline CLTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
102 |
6191617266 | PennyMac Loan Services, LLC |
Chee | 10/24/2025 | $1,312,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 2.01 years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
102 |
6191617266 | PennyMac Loan Services, LLC |
Chee | 10/24/2025 | $1,312,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/26/2025 | Resolved | FCRE1483 | Credit | Asset 5 Does Not Meet Guideline Requirements |
Asset 5 Does Not Meet Guideline Requirements A copy of the gift check for $49,200 in the loan file, the check does not identify the donor. The following LP Findings condition was not met: -Evidence of transfer of gift funds from the donor’s account to recipient’s account or from the donor’s account to the closing agent. |
Escrow receipt | 12/05/2025 | Lender provided Escrow Deposit Receipt from settlement agent verifying the gift funds of $49,200.00 from the gift donor was given directly to the settlement agent. Condition cleared.; Asset 5 Meets Guideline Requirements Or Not Applicable; Asset 5 Does Not Meet Guideline Requirements A copy of the gift check for $49,200 in the loan file, the check does not identify the donor. The following LP Findings condition was not met: -Evidence of transfer of gift funds from the donor’s account to recipient’s account or from the donor’s account to the closing agent. |
12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 2.01 years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
102 |
6191617266 | PennyMac Loan Services, LLC |
Chee | 10/24/2025 | $1,312,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/26/2025 | Resolved | FCRE1964 | Credit | Missing income documentation |
Freddie Mac requires the following for RSU income be included in the loan file and was not found: -Evidence the stock is publicly traded -Documentation of the 200-day simple moving average stock price |
Please see attached | 12/05/2025 | Lender provided verification the RSU income comes from publicly traded stock. Condition cleared. | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 2.01 years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
103 |
6191625998 | Pennymac Loan Services, LLC |
Shani | 11/03/2025 | $1,238,940.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Cured | finding-651 | Compliance | TILA Finance Charge Test |
This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $1,525,450.29. The disclosed finance charge of $1,519,802.24 is not considered accurate because it is understated by more than $100. TILA 130 required: A refund in the amount of $5648.05, cure package: PCCD with LOE, copy of refund and proof of delivery. The following fees included are: Admin $1095, Mtg Broker $9292.06, Tax Service $74, Flood Cert $5, Title Settlement $1986.30 and Prepaid Interest $5728.05. | Borrower was provided a refund of $5,728.05. LOE, PCCD, Refund check & delivery tracking label is provided; cure | 12/29/2025 | Condition cured post close and will remain a non material B grade. Received cure package form lender for finance charge. ; Condition cured post close and will remain a non material B grade. Received cure package form lender for finance charge. ; Lender provided LOE, PCCD copy of Disbursement check and financial statement reflecting cure provided as a principal reduction. The PCCD is not for the subject transaction. Please provide PCCD for the subject transaction. Condition retained. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 3.11 years on job. |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
103 |
6191625998 | Pennymac Loan Services, LLC |
Shani | 11/03/2025 | $1,238,940.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 3.11 years on job. |
C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
184 |
8213500732 | Southern Trust Mortgage, LLC |
Davis | 10/07/2025 | $1,680,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/12/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821350073264. please r3eview attached | 12/12/2025 | Lender provided documentation for ULI — condition cleared; Lender provided documentation for ULI — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 549300FOXIQQV5UZD3675914338466 vs Lender ULI RVDPPPGHCGZ40J4VQ731821350073264. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided documentation for ULI — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 549300FOXIQQV5UZD3675914338466 vs Lender ULI RVDPPPGHCGZ40J4VQ731821350073264. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/15/2025 | Borrower has stable job time — Borrower has 16.98 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 720 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
184 |
8213500732 | Southern Trust Mortgage, LLC |
Davis | 10/07/2025 | $1,680,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Borrower has stable job time — Borrower has 16.98 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
184 |
8213500732 | Southern Trust Mortgage, LLC |
Davis | 10/07/2025 | $1,680,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/26/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing | AFBD | 12/10/2025 | Lender provided Affiliated Business disclosure. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material | 12/11/2025 | Borrower has stable job time — Borrower has 16.98 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 720 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
196 |
8213676726 | Capital Partners Mortgage Services, a Limited Liability Company |
Lusk | 10/10/2025 | $912,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/12/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821367672653 | 12/12/2025 | Lender provided ULI documentation — condition cleared; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 894500Z5NTAJDQWN0T57612509915612 vs Lender ULI RVDPPPGHCGZ40J4VQ731821367672653. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 894500Z5NTAJDQWN0T57612509915612 vs Lender ULI RVDPPPGHCGZ40J4VQ731821367672653. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 894500Z5NTAJDQWN0T57612509915612 vs Lender ULI RVDPPPGHCGZ40J4VQ731821367672653. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 894500Z5NTAJDQWN0T57612509915612 vs Lender ULI RVDPPPGHCGZ40J4VQ731821367672653. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/15/2025 | Borrower has stable job time — Borrower has 14.33 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 743 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 13.83% is less than Guideline DTI of 45% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
196 |
8213676726 | Capital Partners Mortgage Services, a Limited Liability Company |
Lusk | 10/10/2025 | $912,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 12/15/2025 | Borrower has stable job time — Borrower has 14.33 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 743 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 13.83% is less than Guideline DTI of 45% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
54 |
6191398820 | PennyMac Loan Services, LLC |
Pamula | 07/03/2025 | $928,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/02/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Total Loan Costs: $22,652.20 — 8/9 PCCD | 12/10/2025 | Lender agreed with audit values. Condition cleared.; Material; HMDA discrepancy noted: Audit total loan costs $23071.70 vs Lender value $22652.20 , Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 720 | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
54 |
6191398820 | PennyMac Loan Services, LLC |
Pamula | 07/03/2025 | $928,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 720 | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
54 |
6191398820 | PennyMac Loan Services, LLC |
Pamula | 07/03/2025 | $928,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/21/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Please provide evidence Borrower received Appraisal within required 3 days prior to consummation | Appraisal Delivery to Borrowers; Mailed | 12/10/2025 | Lender provided LOE for appraisal valuation delivery verifying the date appraisal was provided to the Borrower. Condition cleared.; Evidence of appraisal delivery provided.; Lender provided blanket LOE for appraisal; however, it is not date and does not have delivery information. Please provide documentation to verify the date the Borrower received the appraisal. Condition retained.; Material Finding | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 720 | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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165 |
6691627925 | NEXA Mortgage, LLC |
Doty | 10/27/2025 | $840,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/12/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We agree with Audit value of ULI is RVDPPPGHCGZ40J4VQ731669162792578, NMLS 1509690, Total Loan Costs 7722.90 | 12/12/2025 | Lender agrees with audit — condition cleared; Lender agrees with audit — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731669162792578 vs Lender ULI Missing. Audit Total Loan Costs 7722.90 vs Lender Total Loan Costs Missing. AND Audit Loan Originator NMLS 1509690 vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender agrees with audit — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731669162792578 vs Lender ULI Missing. Audit Total Loan Costs 7722.90 vs Lender Total Loan Costs Missing. AND Audit Loan Originator NMLS 1509690 vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/15/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 25.28 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.65% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700 |
D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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165 |
6691627925 | NEXA Mortgage, LLC |
Doty | 10/27/2025 | $840,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 12/15/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 25.28 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.65% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700 |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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165 |
6691627925 | NEXA Mortgage, LLC |
Doty | 10/27/2025 | $840,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/26/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided Missing a complete copy of AUS. | AUS; AUS | 12/10/2025 | Lender provided AUS with all pages. Condition cleared.; AUS is not incomplete Lender provided AUS with all pages. Condition cleared.; AUS Partially Provided Missing a complete copy of AUS. | 12/11/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 25.28 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.65% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700 |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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117 |
6191651960 | PennyMac Loan Services, LLC |
Stahl | 11/24/2025 | $1,675,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/12/2025 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $502.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $502.50; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $502.50 is due to increase from $0.00 to $502.50 for the Third Party Processing Fee without a valid COC. Although a COC was found on page 1094, the reason is not valid. Providing additional information and/or a valid reason for the change may cure the violation. | cures | 01/12/2026 | Lender provided the PCCD, LOE, Refund Check and evidence of delivery. Loan will be graded a B. ; Lender provided the PCCD, LOE, Refund Check and evidence of delivery. Loan will be graded a B. | 01/13/2026 | Borrower has stable job time — Borrower has 9.16 years on job. Qualifying DTI below max allowed. — Calculated DTI of 14.7% is less than Guideline DTI of 50% |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
117 |
6191651960 | PennyMac Loan Services, LLC |
Stahl | 11/24/2025 | $1,675,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/21/2025 | Borrower has stable job time — Borrower has 9.16 years on job. Qualifying DTI below max allowed. — Calculated DTI of 14.7% is less than Guideline DTI of 50% |
C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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116 |
6191650488 | PennyMac Loan Services, LLC |
Garzon | 11/18/2025 | $1,076,700.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 769 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 22.53% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 4.47 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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134 |
6191681110 | PennyMac Loan Services, LLC |
Tahmasebi | 11/24/2025 | $1,216,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 720 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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128 |
6191672981 | PennyMac loan Servicing, LLC |
Hansen | 11/18/2025 | $1,420,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/21/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | PCCD | 01/08/2026 | Lender provided the PCCD. Total loan costs $10.587.30. Condition cleared. ; Lender provided the PCCD. Total loan costs $10.587.30. Condition cleared. ; Material; HMDA discrepancy noted: Audit Total loan costs $10737.3 vs Lender $10587.3 , Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 3.86 years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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128 |
6191672981 | PennyMac loan Servicing, LLC |
Hansen | 11/18/2025 | $1,420,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/15/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date |
Hazard Insurance Effective Date of 11-20-2025 is after the Disbursement Date of 11-19-2025. | Full policy; Effective 11/19 | 01/07/2026 | Hazard Insurance Effective Date of 11-19-2025 is prior to or equal to the Disbursement Date of 11-19-2025 Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declaration page showing an effective date of 11/19/25. Condition cleared.; Hazard Insurance Effective Date of 11-19-2025 is prior to or equal to the Disbursement Date of 11-19-2025 Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declaration page showing an effective date of 11/19/25. Condition cleared.; Hazard Insurance Effective Date of 11-19-2025 is prior to or equal to the Disbursement Date of 11-19-2025 Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declaration page showing an effective date of 11/19/25. Condition cleared. ; Lender provided a snippet of an insurance policy; however, it is not the full page and does not reflect the subject property as the insured property. Please provide a full copy of the insurance policy reflecting the subject address as the insured with effective date of 11/19/2025. Condition retained. | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 3.86 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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128 |
6191672981 | PennyMac loan Servicing, LLC |
Hansen | 11/18/2025 | $1,420,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 3.86 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
100 |
6191615276 | PennyMac Loan Services, LLC |
Barazon | 11/21/2025 | $867,158.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/21/2025 | Borrower has stable job time — Borrower has 8.32 years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
101 |
6191616957 | PennyMac Loan Services, LLC |
Calderone | 11/25/2025 | $1,320,800.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/15/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present |
Title Document is incomplete or only partially present. Missing title commitment to reflect all liens recorded that were used to purchase the subject property OR the AUS must be submitted as Refi Cash Out. The AUS in file reflects Limited cash out Refi. The final CD reflects a payoff to Patriot Home Loans in the amount of $1,007,970.30 and to Novelty Homes in the amount of $334,433. The title commitment in file reflects one lien dated 12/10/2024 in the amount of $991,500 with Patriot Homes. | The main issue is whether this is truly a rate/term refinance or if it’s a cash-out refinance. I went back to the underwriting team to help me understand because new construction transactions are a bit different than usual refinances. Please see attached. | 01/16/2026 | Upon further review, the transaction is considered a Rate/Term. The second lien (e.g., a HELOC or piggyback loan) was originally used to purchase the property. In that case, paying off both the first mortgage and the purchase money second is allowed under a Rate/Term (Limited Cash Out) Refinance. Condition cleared.; Title Document is fully Present.; Title Document is incomplete or only partially present. Missing title commitment to reflect all liens recorded that were used to purchase the subject property OR the AUS must be submitted as Refi Cash Out. The AUS in file reflects Limited cash out Refi. The final CD reflects a payoff to Patriot Home Loans in the amount of $1,007,970.30 and to Novelty Homes in the amount of $334,433. The title commitment in file reflects one lien dated 12/10/2024 in the amount of $991,500 with Patriot Homes. | 01/20/2026 | Borrower has stable job time — Borrower has 26.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
101 |
6191616957 | PennyMac Loan Services, LLC |
Calderone | 11/25/2025 | $1,320,800.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/15/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete |
Borrower 1 Credit Report is Partially Present. •Missing VOM for other lien paid off on final CD $334,433 Novelty Homes. •Missing documentation for Taxes, Insurance and/or HOA dues for 169 11th to support $1021.58 monthly. •Missing documentation for Taxes, Insurance and/or HOA dues for 340 Lake Lane to support $558.19 monthly. |
Regarding Novelty Homes, please see attached explanation; Please see attached for 169 11th and 340 Lake. I’m still working on the Novelty Homes Mortgage. | 12/29/2025 | Condition resolved as we have received evidence of the mortgage paid off as construction loan. ; Borrower 1 Credit Report is not partially present.; Finding remains open as Missing VOM for other lien paid off on final CD $334,433 Novelty Homes. All other conditions for this finding have been satisfied. ; Borrower 1 Credit Report is Partially Present. •Missing VOM for other lien paid off on final CD $334,433 Novelty Homes. •Missing documentation for Taxes, Insurance and/or HOA dues for 169 11th to support $1021.58 monthly. •Missing documentation for Taxes, Insurance and/or HOA dues for 340 Lake Lane to support $558.19 monthly. |
12/30/2025 | Borrower has stable job time — Borrower has 26.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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101 |
6191616957 | PennyMac Loan Services, LLC |
Calderone | 11/25/2025 | $1,320,800.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/21/2025 | Borrower has stable job time — Borrower has 26.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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115 |
6191650229 | PennyMac Loan Services, LLC |
Collet | 11/21/2025 | $900,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 6.87 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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210 |
8213942591 | High Place Mortgage, Inc, An Arizona Corporation |
Place | 11/14/2025 | $1,348,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/21/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 549300XMIOGTDKWBED4025043186 vs Lender value RVDPPPGHCGZ40J4VQ731821394259189 , Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
NonDel — we create the ULI — RVDPPPGHCGZ40J4VQ731821394259189 | 12/31/2025 | Resolved as we have received lenders ULI number. ; Resolved as we have received lenders ULI number. ; Material; Resolved as we have received lenders ULI number. ; Material | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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210 |
8213942591 | High Place Mortgage, Inc, An Arizona Corporation |
Place | 11/14/2025 | $1,348,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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210 |
8213942591 | High Place Mortgage, Inc, An Arizona Corporation |
Place | 11/14/2025 | $1,348,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/12/2025 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $211.15.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The loan failed charges that cannot increase test. TILA 130b Cure Required. Refund in the amount of $211.15; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $211.15 is due to increase from $0.00 to $211.15 for the Collateral Desktop Analysis. The addition to the Collateral Desktop Analysis Fee on the Initial CD dated 11/6/2025 was not accepted. The file did not contain any COC or explanation as to why the fee was added. | COC provided | 12/30/2025 | Condition resolved as we have received the missing COC for the CDA fee from lender. ; Condition resolved as we have received the missing COC for the CDA fee from lender. | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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210 |
8213942591 | High Place Mortgage, Inc, An Arizona Corporation |
Place | 11/14/2025 | $1,348,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/12/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/15/2025 or provide confirmation the lender has no affiliates. |
AFB | 12/31/2025 | Condition cleared lender has not affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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197 |
8213698365 | Climate First Bank, a Florida Banking Corporation |
El Baroudi |
10/15/2025 | $1,437,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/21/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NonDel — we create the ULI | 12/31/2025 | Resolved as we have received lenders ULI number. ; Material; HMDA discrepancy noted: Audit ULI 254900HL2VMAYA3J5494202500366225 vs Lender value RVDPPPGHCGZ40J4VQ731821369836529 , Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
01/02/2026 | Borrower has stable job time — Borrower has 22.84 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 41.06% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.06% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 35.02% is less than Guideline DTI of 50% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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197 |
8213698365 | Climate First Bank, a Florida Banking Corporation |
El Baroudi |
10/15/2025 | $1,437,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/15/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 09/03/2025 or provide confirmation the lender has no affiliates. |
AfbD | 12/31/2025 | Resolved as we have received lenders attestation for no affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/02/2026 | Borrower has stable job time — Borrower has 22.84 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 41.06% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.06% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 35.02% is less than Guideline DTI of 50% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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197 |
8213698365 | Climate First Bank, a Florida Banking Corporation |
El Baroudi |
10/15/2025 | $1,437,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy noted. ; HMDA Data Tape Provided. |
12/21/2025 | Borrower has stable job time — Borrower has 22.84 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 41.06% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.06% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 35.02% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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123 |
6191663289 | PennyMac Loan Services, LLC |
Moore | 11/19/2025 | $912,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/21/2025 | Borrower has stable job time — Borrower has 10.56 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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167 |
6691656410 | Answer Home Lending |
Nelson | 11/14/2025 | $932,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | Please provide HMDA discrepancies. Thank you | 01/12/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.; HMDA data received, additional discrepancy noted. ; HMDA Data Tape Provided. |
01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 785 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.27 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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167 |
6691656410 | Answer Home Lending |
Nelson | 11/14/2025 | $932,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/21/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing lenders ULI number, AND lenders Loan Originators NMLS ID. ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value. | HMDA | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared. ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared. ; Material |
01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 785 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 11.27 years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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166 |
6691650598 | West Capital Lending, Inc |
Avgerinou | 11/10/2025 | $1,360,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/21/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | HMDA Discrepancy | 01/08/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared. ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared. ; Material; HMDA discrepancy noted: Missing lenders ULI number AND missing lenders Loan Originators NMLS ID, ALSO missing lenders Total Loans costs. Lender may clear finding by providing documentation to support their value. | 01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 28.81% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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166 |
6691650598 | West Capital Lending, Inc |
Avgerinou | 11/10/2025 | $1,360,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/16/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided Missing all pages of the final Submission to the AUS #13. | AUS | 12/31/2025 | Condition resolved as we have received the complete AUS. ; AUS is not incomplete | 01/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of 28.81% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
166 |
6691650598 | West Capital Lending, Inc |
Avgerinou | 11/10/2025 | $1,360,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy noted. ; HMDA Data Tape Provided. |
12/21/2025 | Qualifying DTI below max allowed. — Calculated DTI of 28.81% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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119 |
6191659221 | PennyMac Loan Services, LLC |
Zhao | 11/14/2025 | $1,134,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/21/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Your exception is citing the audit value and lender value are the same amount of $10,399.53 With that said, the 11/14 CD signed at closing disclosed total loan costs of 10,399.53 however the total loan costs were updated on the 12/1/25 post CD at $10,299.53 |
01/09/2026 | Audit agrees with lender findings. Condition cleared. ; Audit agrees with lender findings. Condition cleared. ; Material; HMDA discrepancy noted: Audit Total loan costs $10399.53 vs Lender value $10399.53 , Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
01/12/2026 | Borrower has stable job time — Borrower has 4.14 years on job. Qualifying DTI below max allowed. — Calculated DTI of 30.97% is less than Guideline DTI of 50% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
119 |
6191659221 | PennyMac Loan Services, LLC |
Zhao | 11/14/2025 | $1,134,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/12/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The borrower waived the 3 day timing per the Notice of Right to Receive Appraisal on page 3244, but there is no evidence they received a copy of the report at closing on 11/16/2025. Provide evidence when the report was delivered to confirm timing requirements were met. | Evidence | 12/30/2025 | Evidence of appraisal delivery provided.; Material | 01/02/2026 | Borrower has stable job time — Borrower has 4.14 years on job. Qualifying DTI below max allowed. — Calculated DTI of 30.97% is less than Guideline DTI of 50% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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119 |
6191659221 | PennyMac Loan Services, LLC |
Zhao | 11/14/2025 | $1,134,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added. | 12/21/2025 | Borrower has stable job time — Borrower has 4.14 years on job. Qualifying DTI below max allowed. — Calculated DTI of 30.97% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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161 |
6691590932 | Nation Wholesale Lending |
Vu | 11/07/2025 | $1,110,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/21/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing lenders ULI number AMD missing lenders Loan Originators NMLS ID, ALSO missing lenders Total Loan Costs. Lender may clear finding by providing documentation to support their value. | HMDA | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loan Costs. Condition cleared. ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loan Costs. Condition cleared. ; Material | 01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 34.47% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 2.95 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 79.29% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.29% is less than Guideline CLTV of 89.99% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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161 |
6691590932 | Nation Wholesale Lending |
Vu | 11/07/2025 | $1,110,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy noted.; HMDA Data Tape Provided. | 12/21/2025 | Qualifying DTI below max allowed. — Calculated DTI of 34.47% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 2.95 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 79.29% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.29% is less than Guideline CLTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
113 |
6191643933 | PennyMac Loan Services, LLC |
Krishnamurthy | 12/03/2025 | $1,378,000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | finding- 3515 |
Compliance | Initial Loan Estimate Delivery Date Test (from application) |
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor’s offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer’s written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer’s application. Documentation required to clear exception. The Initial Loan Estimate dated 10/22/2025 (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on 10/29/2025. The violation can be cured by providing the initial LE within 3 days of application date of 10/17/2025. Additional conditions may apply. | Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided the initial LE dated 10/22/2025. Condition cleared.; Lender provided the initial LE dated 10/22/2025. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 19.19 years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
113 |
6191643933 | PennyMac Loan Services, LLC |
Krishnamurthy | 12/03/2025 | $1,378,000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than 10% Test |
This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,646.99) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $2,646.99: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within 3 business days of the application date of 10/17/2025 as the earliest available LE is dated 10/29/2025. Please provide the initial LE issued within 3 business days of the application date. Additional testing will be completed once the initial LE is provided. | Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided the initial LE dated 10/22/2025. Condition cleared.; Lender provided the initial LE dated 10/22/2025. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 19.19 years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
113 |
6191643933 | PennyMac Loan Services, LLC |
Krishnamurthy | 12/03/2025 | $1,378,000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $11,159.20.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $11,159.20: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within 3 business days of the application date of 10/17/2025 as the earliest available LE is dated 10/29/2025. Please provide the initial LE issued within 3 business days of the application date. Additional testing will be completed once the initial LE is provided. | Initial Loan Disclosures | 01/08/2026 | Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided the initial LE dated 10/22/2025. Condition cleared.; Lender provided the initial LE dated 10/22/2025. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 19.19 years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
113 |
6191643933 | PennyMac Loan Services, LLC |
Krishnamurthy | 12/03/2025 | $1,378,000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | finding- 3367 |
Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator’s application date (or the date creditor received application if loan originator’s application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Homeownership Counseling Disclosure provided to Borrower within 3 days of application date of 10/17/2025. | Initial loan disclosures | 01/08/2026 | Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided evidence of receipt of the Homeownership Counseling Disclosure within 3 days of the application date. Condition cleared. ; Lender provided evidence of receipt of the Homeownership Counseling Disclosure within 3 days of the application date. Condition cleared. ; Lender provided evidence of receipt of the Homeownership Counseling Disclosure within 3 days of the application date. Condition cleared. ; Material | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 19.19 years on job. |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
113 |
6191643933 | PennyMac Loan Services, LLC |
Krishnamurthy | 12/03/2025 | $1,378,000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($14,028.04) does not exceed or equal the comparable sum of specific and non-specific lender credits ($15,406.04). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $1,379; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within 3 business days of the application date of 10/17/2025 as the earliest available LE is dated 10/29/2025. Please provide the initial LE issued within 3 business days of the application date. Additional testing will be completed once the initial LE is provided. | coc | 01/08/2026 | Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided the initial LE dated 10/22/2025. Condition cleared.; Lender provided the initial LE dated 10/22/2025. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 19.19 years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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113 |
6191643933 | PennyMac Loan Services, LLC |
Krishnamurthy | 12/03/2025 | $1,378,000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM confidence score of 87% is less than minimum required score of 90%. | Per the AUS Jumbo Product Profile attached, an HVE with FSD equal to or less tan 13% is acceptable. | 01/09/2026 | Upon further review, per the AUS Jumbo Product Profile attached, an HVE with FSD equal to or less tan 13% is acceptable. Condition cleared. ; Upon further review, per the AUS Jumbo Product Profile attached, an HVE with FSD equal to or less tan 13% is acceptable. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 19.19 years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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113 |
6191643933 | PennyMac Loan Services, LLC |
Krishnamurthy | 12/03/2025 | $1,378,000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided.; HMDA received — no level 3 discrepancies — condition cleared |
12/30/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 19.19 years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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120 |
6191660655 | PennyMac Loan Services, LLC |
Kotseos | 12/09/2025 | $920,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 29.94% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
108 |
6191629526 | PennyMac Loan Services, LLC. |
Cullerot | 12/05/2025 | $999,998.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/19/2025 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $54.80.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of $54.80; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $54.80 is due to the increase of the credit report fee on the LE dated 11/17/2025 without valid COC. | COC | 01/08/2026 | Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. ; Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. ; Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. ; Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50 Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
108 |
6191629526 | PennyMac Loan Services, LLC. |
Cullerot | 12/05/2025 | $999,998.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines |
Income and Employment Do Not Meet Guidelines Missing 2024 W2 for prior job with Therma Tru. DU approval requires YTD paystub and W2s from 2024. | W2 | 01/09/2026 | Lender provided the 2024 W2 for prior position with Therma Tru. Condition cleared. ; Lender provided the 2024 W2 for prior position with Therma Tru. Condition cleared. ; Income and Employment Meet Guidelines | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50 Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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108 |
6191629526 | PennyMac Loan Services, LLC. |
Cullerot | 12/05/2025 | $999,998.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE1482 | Credit | Asset 4 Does Not Meet Guideline Requirements |
Asset 4 Does Not Meet Guideline Requirements Missing Final signed/certified copy of CD or HUD 1 for sale of property at 104 Pearl St with seller proceeds of $486,849.50. Additional conditions may apply. | Final CD | 01/09/2026 | Lender provided the final signed copy of the CD for sale of property at 104 Pearl St with seller proceeds of $486,849.50. Condition cleared. ; Lender provided the final signed copy of the CD for sale of property at 104 Pearl St with seller proceeds of $486,849.50. Condition cleared. ; Asset 4 Meets Guideline Requirements Or Not Applicable | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50 Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
108 |
6191629526 | PennyMac Loan Services, LLC. |
Cullerot | 12/05/2025 | $999,998.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMD data received, no discrepancies noted, condition cleared. ; HMDA Data Tape Provided. | 12/30/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50 Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
89 |
6191605140 | PennyMac Loan Services, LLC |
Chew | 11/28/2025 | $969,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing |
Missing HO-6 Master Insurance Policy Provide HO-6 Master Insurance Policy | That is incorrect. A Master policy is NOT required in this scenario. Per the Appraisal, this is a Individual DETACHED Condo with 4 units ONLY. Sufficient Homeowners insurance covers the property. There is no Master policy; This is a 4 unit condo. Per the condo questionnaire reach owner is responsible for their own insurance. | 01/15/2026 | Upon further review, per the Appraisal, this is a Individual detached Condo with 4 units only. There is no master policy. Condition cleared.; HO-6 Master Insurance Policy is fully present; Audit reviewed the lender’s response. Please provide the Master insurance policy for the condominium. Condition retained. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 738 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 3.17 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.54% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 74.54% is less than Guideline LTV of 89.99% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
89 |
6191605140 | PennyMac Loan Services, LLC |
Chew | 11/28/2025 | $969,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 738 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 3.17 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.54% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 74.54% is less than Guideline LTV of 89.99% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
214 |
8213969357 | Exclusive Mortgage Company |
Cray IV |
11/07/2025 | $1,264,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/19/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within 3 business days of application | Affiliated Business Disclosure | 01/13/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Material |
01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 6.62 years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
214 |
8213969357 | Exclusive Mortgage Company |
Cray IV |
11/07/2025 | $1,264,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Rescinded | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines |
Income and Employment Do Not Meet Guidelines Missing proof of 1st rent check,$5,000 deposit for rental on former primary residence at 226 Saffron. Also provide processor’s cert that lease agreement is only one page. (Unusual for a rental agreement.) Additional conditions may apply. | 1. Per FNMA B3-3.1-08 > Lease Agreements, Form 1007 or Form 1025: When using a lease agreement, it must be supported by a 1007 OR evidence the terms have gone into effect. The file contains a 1007 so verification of the security deposit is not required. 2. The lease agreement is labeled as page 1 of 1. I’m not sure what value a processor’s cert would provide. |
01/08/2026 | Audit reviewed Lender’s response and has determined the 1007 supporting the rental income calculated by Lender is in the loan file. Condition rescinded.; Income and Employment Meet Guidelines | 01/09/2026 | D | A | A | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
214 |
8213969357 | Exclusive Mortgage Company |
Cray IV |
11/07/2025 | $1,264,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non- subject property |
Missing proof of HOA or letter from borrower stating no HOA for the property at 226 Saffron. Additional conditions apply. | HOA | 01/08/2026 | Lender provided verification of HOA fees for 226 Saffron Ct. Condition cleared. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 6.62 years on job. |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
214 |
8213969357 | Exclusive Mortgage Company |
Cray IV |
11/07/2025 | $1,264,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Your finding is incomplete — what values from what document are you referring to? | 01/09/2026 | Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731821396935710. Condition cleared.; Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731821396935710. Condition cleared.; Material; HMDA discrepancy noted: Audit value (column D) vs Lender value (column C), Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. ; Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731821396935710. Condition cleared.; Material; HMDA discrepancy noted: Audit value (column D) vs Lender value (column C), Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 6.62 years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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214 |
8213969357 | Exclusive Mortgage Company |
Cray IV |
11/07/2025 | $1,264,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 6.62 years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
214 |
8213969357 | Exclusive Mortgage Company |
Cray IV |
11/07/2025 | $1,264,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE9184 | Credit | ULI Number on URLA does not match ULI Number provided by the Lender |
The ULI Number on URLA ([ULI]) was not provided on the final 1003. | ULI | 01/08/2026 | Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731821396935710. Condition cleared.; Material | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 6.62 years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
214 |
8213969357 | Exclusive Mortgage Company |
Cray IV |
11/07/2025 | $1,264,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required CDA report. | Please see HVE attached. Per AUS Jumbo Guidelines, an HVE is an acceptable secondary value product. | 01/08/2026 | Lender provided HVE supporting appraisal value with FSD score of 3%. Condition cleared.; Third party valuation product provided within tolerance. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 6.62 years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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149 |
6191699711 | PennyMac Loan Services, LLC |
Vlahos | 12/03/2025 | $875,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI |
Audited DTI of 42.33% exceeds AUS DTI of 39% The DTI calculated does not match the AUS, 47.77 or the 1008, 57.227 in file. Liabilities on the credit report do match the final 1003 and the rental loss matches the 1003 and tax returns. | You have indicated that the Other Liabilities are $2254. It appears you are including VW C redit #8998 in the amount of $697. However, per the credit report there are fewer than 10 payments remaining. It is not a lease, therefore the payment should not be included. ; Liabilities $10,296.24 / income $25,970 = 39.647%. The difference is 2.683%. If you want the LPA to be rerun, please tell me specifically what numbers you’d like to see so I can give direction to our underwriter. Thanks!; LPA submission #8 DTI 39.647, audited DTI 42.33% 2.683% difference within tolerance. |
01/26/2026 | Upon further review, VW Credit #8998 in the amount of $697, per the credit report, there are fewer than 10 payments remaining. Condition cleared. ; Audited DTI of 39.65% is less than or equal to AUS DTI of 39.65%; Audit calculations are as follows: Primary: $7,047.98, Other Liabilities: $2,254.00, Net Rental Loss REO Total: $1,691.26. Total Liabilities: $10,993.24. Borrower Income: $25,970.00. DTI: 42.3305%. DTI per LP 39% which exceeds by more than 3%. Please provide a revised AUS. Condition retained. ; Audited DTI of 42.33% exceeds AUS DTI of 39% by 3.33%. Please provide a revised AUS. Condition retained. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.23% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.23% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 26.94 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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149 |
6191699711 | PennyMac Loan Services, LLC |
Vlahos | 12/03/2025 | $875,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.23% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.23% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 26.94 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
136 |
6191683578 | PennyMac Loan Services, LLC |
Stevenson | 12/05/2025 | $1,012,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete |
Borrower 1 Credit Report is Partially Present. Missing documentation for Taxes, insurance and or HOA for 951 NE Mountain View to support $115.04 | Please see attached | 01/09/2026 | Lender provided evidence of taxes in the amount of $115.04. No lien/ insurance on the property. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided evidence of taxes in the amount of $115.04. No lien/ insurance on the property. Condition cleared. | 01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 33.46% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 10.94 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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136 |
6191683578 | PennyMac Loan Services, LLC |
Stevenson | 12/05/2025 | $1,012,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/30/2025 | Qualifying DTI below max allowed. — Calculated DTI of 33.46% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 10.94 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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143 |
6191691416 | Pennymac Loan Services, LLC |
Menne | 12/04/2025 | $1,064,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/30/2025 | Borrower has stable job time — Borrower has 4.77 years on job. Qualifying DTI below max allowed. — Calculated DTI of 21.7% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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130 |
6191674629 | PennyMac Loan Services, LLC |
Schellhaas | 12/01/2025 | $920,000.00 | LA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount |
The hazard insurance dwelling coverage of ($700000) is insufficient, not meeting the required coverage amount of ($736000). | REC, HOI | 01/09/2026 | Lender provided the replacement cost estimator showing sufficient coverage. Condition cleared. ; Lender provided the replacement cost estimator showing sufficient coverage. Condition cleared. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount |
01/12/2026 | Borrower has stable job time — Borrower has 13.14 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.38% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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130 |
6191674629 | PennyMac Loan Services, LLC |
Schellhaas | 12/01/2025 | $920,000.00 | LA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/30/2025 | Borrower has stable job time — Borrower has 13.14 years on job. Qualifying DTI below max allowed. — Calculated DTI of 28.38% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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148 |
6191699291 | Pennymac Loan Services, LLC |
Johns | 12/10/2025 | $940,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required: Provide evidence borrower received a copy of the appraisal. | Appraisal Delivery | 01/08/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 813 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 35.33% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 9.27 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
148 |
6191699291 | Pennymac Loan Services, LLC |
Johns | 12/10/2025 | $940,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien |
Title Coverage Amount of $925000 is Less than Total Amount of Subject Lien $940000 Provide Title Coverage Amount of Subject Lien $940000 | Title Policy | 01/09/2026 | Title Coverage Amount of $940,000.00 is equal to or greater than Total Amount of Subject Lien $940,000.00 Condition cleared. ; Title Coverage Amount of $940,000.00 is equal to or greater than Total Amount of Subject Lien $940,000.00 Condition cleared. ; Title Coverage Amount of $940000 is equal to or greater than Total Amount of Subject Lien $940000; Material | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 813 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 35.33% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 9.27 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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148 |
6191699291 | Pennymac Loan Services, LLC |
Johns | 12/10/2025 | $940,000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 813 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 35.33% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 9.27 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
170 |
6691675775 | Loan Factory |
Chen | 11/26/2025 | $966,700.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Acknowledged | FCOM1323 | Compliance | Temporary Buydown Agreement is Partially Provided |
File contains a temporary buydown agreement. Pending investor approval. Additional conditions may apply |
Investor acknowledges exception. | 02/04/2026 | Borrower has stable job time — Borrower has 4.79 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50% |
D | B | C | B | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
170 |
6691675775 | Loan Factory |
Chen | 11/26/2025 | $966,700.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Additional conditions may apply. | CA please review this condition, it meets guideline requirements ; SSR’s; Invalid — LCA 2.5 CU 2.1 per the UCDP’s already provided | 02/03/2026 | Upon further review, a secondary valuation is not required if CU/LCA is less than 2.5. Lender provided the UCDP with a CU/LCA of 2.1. Condition cleared. ; Third party valuation product provided within tolerance.; Audit reviewed Lender’s response and has determined the UCDP was not provided and not found in file to verify the risk score to determine if a Third Party Valuation is required. Condition retained. |
02/04/2026 | Borrower has stable job time — Borrower has 4.79 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50% |
D | B | C | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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170 |
6691675775 | Loan Factory |
Chen | 11/26/2025 | $966,700.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided Most recent AUS in file is missing the last 2 pages. Please provide the complete AUS to confirm sufficient reserves. Additional conditions may apply. | AUS | 01/08/2026 | Lender provided all pages to AUS results. Condition cleared.; AUS is not incomplete Lender provided all pages to AUS results. Condition cleared. | 02/04/2026 | Borrower has stable job time — Borrower has 4.79 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50% |
D | B | D | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
170 |
6691675775 | Loan Factory |
Chen | 11/26/2025 | $966,700.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | HMDA | 01/08/2026 | Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731669167577588, NMLS of 320775 and Total Loan Costs of $6,235.95. Condition cleared.; Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731669167577588, NMLS of 320775 and Total Loan Costs of $6,235.95. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders ULI number, ALSO missing lenders NMLS ID., ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value.; Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731669167577588, NMLS of 320775 and Total Loan Costs of $6,235.95. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders ULI number, ALSO missing lenders NMLS ID., ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value. | 01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50% |
D | B | B | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
170 |
6691675775 | Loan Factory |
Chen | 11/26/2025 | $966,700.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | HMDA data received, additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50% |
D | B | C | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
170 |
6691675775 | Loan Factory |
Chen | 11/26/2025 | $966,700.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE1328 | Credit | Borrower 1 W2/1099 Missing |
Borrower 1 W2/1099 Missing. The W2’s in file for 2023 and 2024 are blank. Please provide the 2 years W2’s. Additional conditions may apply. | W2’s | 01/08/2026 | Lender provided 2023 and 2024 W2’s. Condition cleared.; Borrower 1 W2/1099 Provided | 01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50% |
D | B | D | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
170 |
6691675775 | Loan Factory |
Chen | 11/26/2025 | $966,700.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien |
Title Coverage Amount of $161209.74 is Less than Total Amount of Subject Lien $966700 Title Coverage Amount of $161,209.74 is less than the total amount of the subject lien of $966,700.00. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. |
Title Policy | 01/08/2026 | Lender provided title with coverage of $966,700.00. Condition cleared.; Title Coverage Amount of $966700 is equal to or greater than Total Amount of Subject Lien $966700; Material | 01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50% |
D | B | B | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
169 |
6691669931 | E Mortgage Capital Inc |
Shim | 11/28/2025 | $1,905,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ALL of this documentation was already provided to you — if the tape is blank, then use the source documents — Total Loan Cost 9574.70 — per the FInal CD already provided — NMLS — 1392343 — ULI on final 1003 — RVDPPPGHCGZ40J4VQ7316691666993163 | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared. ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared. ; Material; HMDA discrepancy noted: Missing lenders ULI number, ALSO missing lenders NMLS ID, ALSO missing lenders Total Loan Costs. Lender may clear finding by providing documentation to support their value. |
01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.71% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.71% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 9.42 years on job. Qualifying DTI below max allowed. — Calculated DTI of 31.51% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 750 is greater than Guideline minimum FICO of 720 |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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169 |
6691669931 | E Mortgage Capital Inc |
Shim | 11/28/2025 | $1,905,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.71% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.71% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 9.42 years on job. Qualifying DTI below max allowed. — Calculated DTI of 31.51% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 750 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
125 |
6191665595 | PennyMac Loan Services, LLC |
Taylor | 11/26/2025 | $1,516,000.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We agree — 8060.49 | 01/09/2026 | Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared. ; Material; HMDA discrepancy noted: Audit value Total loan costs $8060.49 vs Lender value $5111.49, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 37.34% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 20.58 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720 |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
125 |
6191665595 | PennyMac Loan Services, LLC |
Taylor | 11/26/2025 | $1,516,000.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | HMDA Data Tape Provided. | 12/30/2025 | Qualifying DTI below max allowed. — Calculated DTI of 37.34% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 20.58 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
224 |
8214005943 | Optimum First Inc., A California Corporation |
Nguyen | 11/21/2025 | $990,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | That is incorrect. A secondary valuation is not required if CU/LCA is less than 2.5; Invalid — CU score 1 | 01/14/2026 | Upon further review, a secondary valuation is not required if CU/LCA is less than 2.5. Lender provided the UCDP with a CU/LCA of 1. Condition cleared. ; Third party valuation product provided within tolerance.; Audit reviewed the lender’s response. According to the Pennymac Correspondent AUS Jumbo Product Profile: 08.18.25 All single appraisal transactions (purchase and refinance) must have a secondary valuation assessment completed prior to the note date. Condition retained. | 01/20/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700 |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
224 |
8214005943 | Optimum First Inc., A California Corporation |
Nguyen | 11/21/2025 | $990,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete |
The Final 1003 is Incomplete The final 1003 does not show any assets under section 2b, however, asset documentation is in the file. Please provide a revised AUS. Additional conditions may apply. | You findings is contradicting — Do you need a new AUS or 1003. Either one should not be a requirement — Borrowers funds to close is 463.50 a new AUS is not required nor is a 1003 | 01/09/2026 | Audit reviewed the lender’s response. No assets are listed on the 1003, however sufficient asset documentation are in the file. Condition cleared. | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700 |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
224 |
8214005943 | Optimum First Inc., A California Corporation |
Nguyen | 11/21/2025 | $990,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NonDel — we create ULI | 01/09/2026 | Lender provided documentation to support their value. RVDPPPGHCGZ40J4VQ731821400594356. Condition cleared. ; Lender provided documentation to support their value. RVDPPPGHCGZ40J4VQ731821400594356. Condition cleared. ; Material; HMDA discrepancy noted: Audit ULI 549300CSPE70WIF4Z9222510000654BRW94 vs Lender value RVDPPPGHCGZ40J4VQ731821400594356 , Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700 |
D | A | B | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
224 |
8214005943 | Optimum First Inc., A California Corporation |
Nguyen | 11/21/2025 | $990,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |
HMDA data received, additional discrepancy finding added. ; HMDA Data Tape Provided. |
12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700 |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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126 |
6191667401 | PennyMac Loan Services, LLC |
Low | 12/03/2025 | $2,000,000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 30.39% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.14% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 11.27 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
55 |
6191520083 | PennyMac Loan Services, LLC |
Wang | 12/03/2025 | $1,050,714.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA | Incorrect — we go through this with every JUMBO trade — We do not require a third party valuation if the CU score is less than 2.5 and we do not require a CDA when we do require a third party valuation; Invalid — CU score 1 | 01/14/2026 | Upon further review, a third party valuation is not required if the CU score is less than 2.5. Condition cleared. ; Upon further review, a third party valuation is not required if the CU score is less than 2.5. Condition cleared. ; Transaction is the purchase of a primary residence. Please provide the CDA. Additional conditions may apply. Condition retained. | 01/21/2026 | Borrower has stable job time — Borrower has 6.35 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
55 |
6191520083 | PennyMac Loan Services, LLC |
Wang | 12/03/2025 | $1,050,714.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $14.85.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $14.85; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $14.85 is due to increase from $1,430.00 to $1,444.85 for the transfer taxes on LE 10/23/2025 without a COC. | COC | 01/09/2026 | Lender provided a valid COC for the increase in transfer taxes. Condition cleared. ; Lender provided a valid COC for the increase in transfer taxes. Condition cleared. ; Resolved | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
55 |
6191520083 | PennyMac Loan Services, LLC |
Wang | 12/03/2025 | $1,050,714.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | finding- 3526 |
Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) |
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. The final revised loan estimate and Initial Closing disclosure were both issued 11/06/2025 which is not allowed. Further clarification is needed. | Resolved | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
55 |
6191520083 | PennyMac Loan Services, LLC |
Wang | 12/03/2025 | $1,050,714.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | finding- 4001 |
Compliance | TRID Disclosure Delivery Date Validation Test |
This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the revised closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. The final revised loan estimate and Initial Closing disclosure were both issued 11/06/2025 which is not allowed. Further clarification is needed. | Resolved | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
55 |
6191520083 | PennyMac Loan Services, LLC |
Wang | 12/03/2025 | $1,050,714.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | We agree — 5115.50 | 01/09/2026 | Lender agrees with audit findings. Condition cleared. ; Material; HMDA discrepancy noted: Audit Total loan costs $5115.50 vs Lender value $4231.50, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
55 |
6191520083 | PennyMac Loan Services, LLC |
Wang | 12/03/2025 | $1,050,714.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 12/30/2025 | Borrower has stable job time — Borrower has 6.35 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
171 |
6691681342 | Barrett Financial Group, L.L.C. |
Ciutac | 12/03/2025 | $1,450,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | If the HMDA data is missing from the tape, then use the source documents — all of this information was already provided in the file submission — FINAL CD = Total Loan Cost — 72,279.70; NMLS — 200841; Final 1003 ULI = RVDPPPGHCGZ40J4VQ731669168134271 | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared. ; Material; HMDA discrepancy noted: Missing lenders ULI number, AND missing lenders NMLS ID., ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value. |
01/12/2026 | Borrower has stable job time — Borrower has 3.58 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 49.15% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.15% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
171 |
6691681342 | Barrett Financial Group, L.L.C. |
Ciutac | 12/03/2025 | $1,450,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added. ; HMDA Data Tape Provided. |
12/30/2025 | Borrower has stable job time — Borrower has 3.58 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 49.15% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.15% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
133 |
6191679982 | PennyMac Loan Services, LLC |
Jackson | 12/03/2025 | $1,773,024.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete |
Borrower 1 Credit Report is Partially Present. •Missing VOM / Mtg statement for 8,33 Rosendale to support $581.01 monthly. •Missing documentation of taxes, insurance and or HOA for 8,33 Rosendale to support $845.86 monthly. |
Please see payment history for 8,33 Rosendale; Re 8,33 Rosendale: Please see taxes and insurance attached. I am still working on the VOM. | 01/14/2026 | Lender provided the payment history for 8,33 Rosendale. Condition cleared. ; Lender provided the payment history for 8,33 Rosendale. Condition cleared. ; Lender provided the verification of taxes, insurance and or HOA for 833 Rosendale to support $845.86 monthly. Please provide the VOM or mortgage statement. Condition retained. | 01/15/2026 | Borrower has stable job time — Borrower has 10.16 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 44.2% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.2% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 27.31% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
133 |
6191679982 | PennyMac Loan Services, LLC |
Jackson | 12/03/2025 | $1,773,024.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/24/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM previously provided — previous instructions sent to allow for the Pennymac waterfall — AVM’s are acceptable | 01/09/2026 | Lender provided the HVE with a value of $4,099,760.00 and an FSD score of 12%. Condition cleared. ; Lender provided the HVE with a value of $4,099,760.00 and an FSD score of 12%. Condition cleared. | 01/12/2026 | Borrower has stable job time — Borrower has 10.16 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 44.2% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.2% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 27.31% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
133 |
6191679982 | PennyMac Loan Services, LLC |
Jackson | 12/03/2025 | $1,773,024.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
12/30/2025 | Borrower has stable job time — Borrower has 10.16 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 44.2% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.2% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 27.31% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
249 |
8214128545 | Adelo Mortgage, Inc |
Herren | 11/17/2025 | $1,540,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821412854574 | 01/14/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 21.81% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 9.47 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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249 |
8214128545 | Adelo Mortgage, Inc |
Herren | 11/17/2025 | $1,540,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided does not confirm when the borrower received the appraisal. Provide evidence that a copy of the appraisal was sent to the consumer on or before consummation date of 11/17/25. | Appraisal Delivery | 01/12/2026 | Lender provided evidence the appraisal was sent to the consumer on or before consummation date of 11/17/25. Condition cleared. ; Lender provided evidence the appraisal was sent to the consumer on or before consummation date of 11/17/25. Condition cleared. ; Material | 01/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of 21.81% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 9.47 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
249 |
8214128545 | Adelo Mortgage, Inc |
Herren | 11/17/2025 | $1,540,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of 21.81% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 9.47 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
230 |
8214031811 | Juniper Financial, LLC, a Limited Liability Corporation |
Guevarra | 11/20/2025 | $880,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Loan purpose No Cash-Out Refi, ULI is RVDPPPGHCGZ40J4VQ731821403181152 | 01/14/2026 | Lender provided the loan purpose No Cash-Out Refi, and ULI. Condition cleared. ; HMDA discrepancy noted: Missing lenders HMDA Loan Purpose, ALSO missing lenders ULI number. Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value.; Material | 01/15/2026 | Borrower has stable job time — Borrower has 3.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
230 |
8214031811 | Juniper Financial, LLC, a Limited Liability Corporation |
Guevarra | 11/20/2025 | $880,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/13/2026 | Borrower has stable job time — Borrower has 3.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
230 |
8214031811 | Juniper Financial, LLC, a Limited Liability Corporation |
Guevarra | 11/20/2025 | $880,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Provide Affiliated Business Disclosure dated within 3 days of application date 10/24/25 or provide confirmation the lender has no affiliates. | No Affiliates | 01/09/2026 | Lender provided a signed attestation of no Affiliates. Condition cleared.; Lender provided a signed attestation of no Affiliates. Condition cleared.; Material | 01/12/2026 | Borrower has stable job time — Borrower has 3.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
194 |
8213659013 | Gum Tree Mortgage, A Mississippi Limited Liability Company |
Burggraf | 11/24/2025 | $1,160,000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within 3 business days of application 09/17/2025. | Affiliated Business Disclosure | 01/12/2026 | Required Affiliated Business Disclosure Documentation Provided; ; Lender provided a signed attestation of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided a signed attestation of no Affiliates. Condition cleared. ; Lender provided a signed attestation of no Affiliates. Condition cleared. ; Material |
01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 727 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.85% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 2.74 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
194 |
8213659013 | Gum Tree Mortgage, A Mississippi Limited Liability Company |
Burggraf | 11/24/2025 | $1,160,000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 91137, Loan Purpose Purchase, lenders ULI number RVDPPPGHCGZ40J4VQ731821365901336 | 01/14/2026 | ; Received ULI.; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, AND missing lenders Loan Purpose, AND missing lenders ULI number. Lender may clear finding by providing documentation to support their value.; Material | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 727 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.85% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 2.74 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
194 |
8213659013 | Gum Tree Mortgage, A Mississippi Limited Liability Company |
Burggraf | 11/24/2025 | $1,160,000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 727 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 34.85% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 2.74 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
219 |
8213981815 | Flat Branch Mortgage Inc., a Missouri Corporation |
Worley | 11/19/2025 | $1,200,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided.; HMDA review complete. | 01/15/2026 | Borrower has stable job time — Borrower has 32.67 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 25.96% is less than Guideline DTI of 45% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
216 |
8213976016 | Embrace Home Loans, Inc |
Buckley | 11/14/2025 | $896,000.00 | RI | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided.; HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 26.06% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 7.13 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
243 |
8214070799 | American Liberty Mortgage, Incorporated, a Corporation |
Campbell | 11/19/2025 | $1,118,706.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided.; | 01/15/2026 | Borrower has stable job time — Borrower has 13.48 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 785 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.81% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 65.81% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
221 |
8213991598 | BankSouth Mortgage Company, LLC |
Mauser | 11/20/2025 | $1,887,337.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NMLSR ID is 1660344. Please review the uploaded 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. |
01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 5.09 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
221 |
8213991598 | BankSouth Mortgage Company, LLC |
Mauser | 11/20/2025 | $1,887,337.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 5.09 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
221 |
8213991598 | BankSouth Mortgage Company, LLC |
Mauser | 11/20/2025 | $1,887,337.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Provide Affiliated Business Disclosure dated within 3 days of application date 10/22/25 or provide confirmation the lender has no affiliates. | ABD | 01/09/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Material; Required Affiliated Business Disclosure Missing Documentation required to clear exception: Provide Affiliated Business Disclosure dated within 3 days of application date 10/22/25 or provide confirmation the lender has no affiliates. |
01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 5.09 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
218 |
8213977832 | Taylor Morrison Home Funding, Inc., a Corporation |
Church | 11/25/2025 | $946,750.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | Lender provided the NMLSR ID. Condition cleared. ; HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
218 |
8213977832 | Taylor Morrison Home Funding, Inc., a Corporation |
Church | 11/25/2025 | $946,750.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NMLSR ID is 267112. Please review uploaded 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. |
01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
227 |
8214013824 | MK Lending Corp, a Corporation |
Shiraz | 11/03/2025 | $1,300,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NMLSR ID is 140443. Please review the uploaded 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. |
01/15/2026 | Borrower has stable job time — Borrower has 7.76 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 767 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.52% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.52% is less than Guideline LTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
227 |
8214013824 | MK Lending Corp, a Corporation |
Shiraz | 11/03/2025 | $1,300,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/10/2025 or provide confirmation the lender has no affiliates. | Affiliated Business Disclosure | 01/12/2026 | Lender provided the affiliated business disclosure. Condition cleared. ; Lender provided the affiliated business disclosure. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/10/2025 or provide confirmation the lender has no affiliates. | 01/13/2026 | Borrower has stable job time — Borrower has 7.76 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 767 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.52% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.52% is less than Guideline LTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
227 |
8214013824 | MK Lending Corp, a Corporation |
Shiraz | 11/03/2025 | $1,300,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/27/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/13/2026 | Borrower has stable job time — Borrower has 7.76 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 767 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.52% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 56.52% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
245 |
8214094025 | Alameda Mortgage Corporation |
Kao | 11/18/2025 | $2,200,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 1471655 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 3.88 years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
245 |
8214094025 | Alameda Mortgage Corporation |
Kao | 11/18/2025 | $2,200,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/13/2026 | Borrower has stable job time — Borrower has 3.88 years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
245 |
8214094025 | Alameda Mortgage Corporation |
Kao | 11/18/2025 | $2,200,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/31/2025 or provide confirmation the lender has no affiliates. | ABD | 01/09/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Material |
01/12/2026 | Borrower has stable job time — Borrower has 3.88 years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
240 |
8214068971 | First Palmetto Bank, a State Bank |
Siomacco III |
11/25/2025 | $941,000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Cured | finding- 3551 |
Compliance | Post- Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test |
na This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( 12 CFR §1026.19(f)(2)(v) )The post-consummation reason for redisclosure is “post-consummation cure for violation of tolerance/variation” or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | 02/03/2026 | Borrower has stable job time — Borrower has 10.19 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99% |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
240 |
8214068971 | First Palmetto Bank, a State Bank |
Siomacco III |
11/25/2025 | $941,000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $50.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $50.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $50.00 is due to increase from $550 to $600 for the appraisal fee from LE 10/29/2025 to LE 11/12/2025. The COC dated 11/12/2025 was not accepted because it did not provide a valid reason for the increase. | cure; Copy of refund, LOE and Post CD; COC | 01/26/2026 | Lender provided the PCCD, LOE, cure in the amount of 50.00, and evidence of delivery. Loan will be graded a B. ; Lender provided the PCCD, LOE, cure in the amount of 50.00, and evidence of delivery. Loan will be graded a B. ; Escalated to our compliance team for review. | 01/27/2026 | Borrower has stable job time — Borrower has 10.19 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99% |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
240 |
8214068971 | First Palmetto Bank, a State Bank |
Siomacco III |
11/25/2025 | $941,000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | LO NMLS: 290125 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 10.19 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99% |
C | B | B | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
240 |
8214068971 | First Palmetto Bank, a State Bank |
Siomacco III |
11/25/2025 | $941,000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/13/2026 | Borrower has stable job time — Borrower has 10.19 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99% |
C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
248 |
8214128499 | Taylor Morrison Home Funding, Inc., a Corporation |
Wang | 11/12/2025 | $1,695,135.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $100.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $100.00 is due to the addition of a Concurrent Loan Fee paid to the lender affiliate on the revised LE dated 10/10/2025. COC in file dated 10/9/2025 does not address the addition of the fee and is considered invalid. Please provide a valid COC or cure package. | COC | 01/13/2026 | Condition resolved as we have received the valid COC from lender for concurrent loan closing fee. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 31.95% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 11.05 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
248 |
8214128499 | Taylor Morrison Home Funding, Inc., a Corporation |
Wang | 11/12/2025 | $1,695,135.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 1107529 , reflected on the 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 31.95% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 11.05 years on job. |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
248 |
8214128499 | Taylor Morrison Home Funding, Inc., a Corporation |
Wang | 11/12/2025 | $1,695,135.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 31.95% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 11.05 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
234 |
8214056086 | Legacy Home Loans, LLC dba Steadfast Mortgage, a Limited Liability Company |
Spirko | 11/25/2025 | $1,183,200.00 | TN | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 383105, on 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. |
01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 33.13% is less than Guideline DTI of 45% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
234 |
8214056086 | Legacy Home Loans, LLC dba Steadfast Mortgage, a Limited Liability Company |
Spirko | 11/25/2025 | $1,183,200.00 | TN | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 33.13% is less than Guideline DTI of 45% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
250 |
8214131864 | Homeowners Financial Group USA, LLC |
Chermack | 11/21/2025 | $1,450,080.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete |
Borrower 1 Credit Report is Partially Present. Missing documentation to support PITIA in the amount of $1582 for 2864 North Fairview. | Required docs provided | 01/13/2026 | Lender provided documentation to support PITIA in the amount of $1582 for 2864 North Fairview. Condition cleared. ; Lender provided documentation to support PITIA in the amount of $1582 for 2864 North Fairview. Condition cleared. ; Borrower 1 Credit Report is Partially Present. Missing documentation to support PITIA in the amount of $1582 for 2864 North Fairview. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 15.09% is less than Guideline DTI of 45% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
250 |
8214131864 | Homeowners Financial Group USA, LLC |
Chermack | 11/21/2025 | $1,450,080.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | r NMLSR ID# 2307841, reflected on 1003 | 01/14/2026 | Lender provided the lenders NMLSR ID. Condition cleared. ; Lender provided the lenders NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 15.09% is less than Guideline DTI of 45% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
250 |
8214131864 | Homeowners Financial Group USA, LLC |
Chermack | 11/21/2025 | $1,450,080.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 15.09% is less than Guideline DTI of 45% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
251 |
8214133037 | Mountain America Federal Credit Union |
Earwood | 11/24/2025 | $1,020,000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 2056293, provided on 1003 | 01/14/2026 | Lender provided the NMLSR ID# 2056293. Condition cleared.; Lender provided the NMLSR ID# 2056293. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 16.38% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 21.67 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
251 |
8214133037 | Mountain America Federal Credit Union |
Earwood | 11/24/2025 | $1,020,000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/29/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 11/03/2025 or provide confirmation the lender has no affiliates. | AfbD | 01/13/2026 | Required Affiliated Business Disclosure Documentation Provided. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided. Condition cleared. ; Material; Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 11/03/2025 or provide confirmation the lender has no affiliates. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 16.38% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 21.67 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
251 |
8214133037 | Mountain America Federal Credit Union |
Earwood | 11/24/2025 | $1,020,000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 16.38% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 21.67 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
207 |
8213932082 | First American Wholesale Lending Corp, a California Corporation |
Dammers | 11/17/2025 | $1,500,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | ULI is RVDPPPGHCGZ40J4VQ731821393208291 | 01/16/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 47.62% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 47.62% is less than Guideline CLTV of 75% Borrower has stable job time — Borrower has 3.64 years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
207 |
8213932082 | First American Wholesale Lending Corp, a California Corporation |
Dammers | 11/17/2025 | $1,500,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 47.62% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 47.62% is less than Guideline CLTV of 75% Borrower has stable job time — Borrower has 3.64 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
208 |
8213934127 | Optimum First Inc., a California Corporation |
Madain | 11/19/2025 | $909,200.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 21.4% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.51% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 50.51% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 2.97 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
208 |
8213934127 | Optimum First Inc., a California Corporation |
Madain | 11/19/2025 | $909,200.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCOM2002 | Compliance | Disclosed Escrow is Not Accurate on Final CD and/or PCCD |
Disclosed Escrow is Not Accurate on Final CD and/or PCCD Please complete the Escrow Property Costs over 1 year on the final CD as well as the PCCD. Currently the figure on page 4 of 5 on the CD’s is blank. | PCCD | 01/14/2026 | Condition cleared as we have received the updated CD with escrow costs listed. ; Disclosed Escrow is Accurate on Final CD and PCCD; Material Finding | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 21.4% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.51% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 50.51% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 2.97 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
150 |
6191699722 | Pennymac Loan Services, LLC |
Scangarella | 12/02/2025 | $1,390,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid request — HVE was uploaded and is on pages 835-836 of the Original Loan Bookmarks; Invalid request — AVM provided and is acceptable — CDA is not required | 01/21/2026 | HVE is acceptable, as its a PNMAC product. Condition cleared.; Pending response from the rating agencies regarding HVE. Condition retained. ; ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 31.94 years on job. |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
150 |
6191699722 | Pennymac Loan Services, LLC |
Scangarella | 12/02/2025 | $1,390,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided Incomplete copy of DU approval. Latest is # 17 12/1/2025 6:24pm. Multiple pages are missing. Subject to complete review of entire copy of approval and all conditions and ratios. | Complete AUS | 01/09/2026 | Lender provided a complete copy of the AUS. Condition cleared. ; Lender provided a complete copy of the AUS. Condition cleared. ; AUS is not incomplete | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 31.94 years on job. |
D | A | D | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
150 |
6191699722 | Pennymac Loan Services, LLC |
Scangarella | 12/02/2025 | $1,390,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/14/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731619169972278. Please review the uploaded Final 1003 | 01/20/2026 | Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. |
01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 31.94 years on job. |
D | A | B | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
150 |
6191699722 | Pennymac Loan Services, LLC |
Scangarella | 12/02/2025 | $1,390,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 31.94 years on job. |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
150 |
6191699722 | Pennymac Loan Services, LLC |
Scangarella | 12/02/2025 | $1,390,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | finding- 3526 |
Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) |
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. There is no evidence of receipt for LE 11/24/2025 therefore it is considered mail rule. Provide evidence when the LE was received to determine if timing requirements were met. | LE delivery | 01/12/2026 | Lender provided evidence of receipt of the LE dated 11/24/25. Condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 31.94 years on job. |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
150 |
6191699722 | Pennymac Loan Services, LLC |
Scangarella | 12/02/2025 | $1,390,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing |
Borrower 1 3rd Party VOE Prior to Close Missing Provide third party Verification of Mark Scangarella Painting as required. | Invalid request — VOE’s are not required for employment with negative income | 01/09/2026 | Upon further review, VOE’s are not required for businesses showing a loss. Condition Cleared. ; Upon further review, VOE’s are not required for businesses showing a loss. Condition Cleared. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 31.94 years on job. |
D | A | D | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
129 |
6191674535 | PennyMac Loan Services, LLC |
Leasure | 11/26/2025 | $1,011,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.18% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 67.18% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 29.42 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
129 |
6191674535 | PennyMac Loan Services, LLC |
Leasure | 11/26/2025 | $1,011,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation. | Appraisal Delivery | 01/14/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material Finding | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.18% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 67.18% is less than Guideline LTV of 80% Borrower has stable job time — Borrower has 29.42 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
180 |
8213390912 | Bay Capital Mortgage Corporation, a Maryland Corporation |
Williams III |
11/13/2025 | $1,040,000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/23/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided |
Missing Third Party Fraud Report | Document Uploaded. ; Third Party Fraud Report is provided | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
180 |
8213390912 | Bay Capital Mortgage Corporation, a Maryland Corporation |
Williams III |
11/13/2025 | $1,040,000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Missing evidence of Appraisal Delivery to Borrower at least 3 business days prior to loan consummation. | Appraisal receipt; COC | 01/15/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material Finding | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
180 |
8213390912 | Bay Capital Mortgage Corporation, a Maryland Corporation |
Williams III |
11/13/2025 | $1,040,000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
198 |
8213734969 | Banterra Bank |
Savells | 11/14/2025 | $947,688.00 | KY | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM | 2nd Appraisal completed as a third party valuation | 01/15/2026 | Upon further review, the 2nd Appraisal completed as a third party valuation. Condition cleared. | 01/28/2026 | Borrower has stable job time — Borrower has 11.96 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 25.89% is less than Guideline DTI of 45% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
198 |
8213734969 | Banterra Bank |
Savells | 11/14/2025 | $947,688.00 | KY | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 11.96 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 25.89% is less than Guideline DTI of 45% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
220 |
8213982634 | Neighborhood Mortgage Inc, A Corporation |
Lower | 11/21/2025 | $1,152,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 21.58 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 32.66% is less than Guideline DTI of 45% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
206 |
8213919368 | Valley Mortgage, Inc., a Corporation |
Reid | 10/31/2025 | $1,160,000.00 | ND | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821391936815; NMLSR ID# 178249, provided on 1003 | 01/16/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. The NMLS ID has been resolved. ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. The NMLS ID has been resolved. ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. |
01/20/2026 | Borrower has stable job time — Borrower has 13.51 years on job. Qualifying DTI below max allowed. — Calculated DTI of 23.93% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
206 |
8213919368 | Valley Mortgage, Inc., a Corporation |
Reid | 10/31/2025 | $1,160,000.00 | ND | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | Lender provided the ULI. Condition cleared. ; HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/20/2026 | Borrower has stable job time — Borrower has 13.51 years on job. Qualifying DTI below max allowed. — Calculated DTI of 23.93% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
147 |
6191696951 | PennyMac Loan Services, LLC |
Adamski | 12/01/2025 | $955,500.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
147 |
6191696951 | PennyMac Loan Services, LLC |
Adamski | 12/01/2025 | $955,500.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | FCRE6101 | Credit | Audited AUS Interested Party Contribution Exceeds Guideline Program Maximum |
Audited AUS Interested Party Contribution of 0.16% exceeds maximum AUS interested party contribution standards of 0%. | Finding is invalid/incorrect. IPC’s are allowed on JUMBO loans | 01/13/2026 | Upon further review. Interested party contributions are 6%. Condition cleared. ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 01/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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147 |
6191696951 | PennyMac Loan Services, LLC |
Adamski | 12/01/2025 | $955,500.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Rescinded | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum |
Audited Interested Party Contribution of 0.16% exceeds interested party contribution guideline maximum of 0%. | Finding is invalid/incorrect. IPC’s are allowed on JUMBO loans | 01/13/2026 | Upon further review. Interested party contributions are 6%. Condition cleared. ; Audited Interested Party Contribution of 0.16% exceeds interested party contribution guideline maximum of 0%. | 01/15/2026 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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146 |
6191695910 | PennyMac Loan Services, LLC |
Ouzts | 11/29/2025 | $954,500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 31.55% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 12.79 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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138 |
6191685698 | PennyMac Loan Services, LLC |
Johnson | 12/04/2025 | $856,000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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114 |
6191649175 | PennyMac Loan Services, LLC |
Hoffman | 11/24/2025 | $1,505,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/02/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. | HVE | 01/15/2026 | Third party valuation product provided within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 01/21/2026 | Borrower has stable job time — Borrower has 11.46 years on job. Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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114 |
6191649175 | PennyMac Loan Services, LLC |
Hoffman | 11/24/2025 | $1,505,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 11.46 years on job. Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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114 |
6191649175 | PennyMac Loan Services, LLC |
Hoffman | 11/24/2025 | $1,505,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/02/2026 | Resolved | FCRE1364 | Credit | Borrower 2 Executed 4506-T Missing |
Borrower 2 Executed 4506-T Missing Provide Borrower 2 Executed 4506-T | Borrower 1 Executed 4506-T Provided. Condition cleared. ; Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) | 01/15/2026 | Borrower has stable job time — Borrower has 11.46 years on job. Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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114 |
6191649175 | PennyMac Loan Services, LLC |
Hoffman | 11/24/2025 | $1,505,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/02/2026 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing |
Borrower 1 Executed 4506-T Missing Provide Borrower 1 Executed 4506-T | 4506 | 01/13/2026 | Borrower 1 Executed 4506-T Provided. Condition cleared. ; Borrower 1 Executed 4506-T Provided. Condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 11.46 years on job. Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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203 |
8213903061 | GL Financial Services, LLC., a Limited Liability Corporation |
Akcacakir | 11/24/2025 | $1,154,912.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Please provide evidence Borrower received Appraisal within required 3 days prior to consummation | Evidence of Appraisal Delivery | 01/28/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material Finding | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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203 |
8213903061 | GL Financial Services, LLC., a Limited Liability Corporation |
Akcacakir | 11/24/2025 | $1,154,912.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI | 01/22/2026 | Lender provided the ULI number. Condition cleared. ; Lender provided the ULI number. Condition cleared. ; Lender provided the ULI number. Condition cleared. ; Lender provided the ULI number. Condition cleared. ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided the ULI number. Condition cleared. ; Lender provided the ULI number. Condition cleared. ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided the ULI number. Condition cleared. ; Lender provided the ULI number. Condition cleared. ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided the ULI number. Condition cleared. ; Lender provided the ULI number. Condition cleared. ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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203 |
8213903061 | GL Financial Services, LLC., a Limited Liability Corporation |
Akcacakir | 11/24/2025 | $1,154,912.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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203 |
8213903061 | GL Financial Services, LLC., a Limited Liability Corporation |
Akcacakir | 11/24/2025 | $1,154,912.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines |
Income and Employment Do Not Meet Guidelines Missing all documentation and Lender income calculation to support $27,785 RSU income. Missing two year vesting schedule from Microsoft with number of shares vested, the 200 day moving average and lender income calculation. | I calculated two 200-day moving averages: $118.60 as of the application date $133.60 as of the date the most recent income calculation was completed Based on the RSU grant, approximately 3,031.67 units are scheduled to vest over a twelve-month period. Using a 200-day SMA of $118.60, the calculated annual gross income is $359,556.06, resulting in a monthly qualifying income of $29,963.01. Using a 200-day SMA of $133.60, the calculated annual gross income increases to $405,031.11, resulting in a monthly qualifying income of $33,752.59. Both calculations result in qualifying income amounts that exceed the income ultimately used by the underwriter of $27,785.00 |
01/21/2026 | Lender provided the documentation and Lender income calculation to support $27,785 RSU income. Two year vesting schedule from Microsoft with number of shares vested, the 200 day moving average and lender income calculation. Two 200-day moving averages: $118.60 as of the application date $133.60 as of the date the most recent income calculation was completed Based on the RSU grant, approximately 3,031.67 units are scheduled to vest over a twelve-month period. Using a 200-day SMA of $118.60, the calculated annual gross income is $359,556.06, resulting in a monthly qualifying income of $29,963.01. Using a 200-day SMA of $133.60, the calculated annual gross income increases to $405,031.11, resulting in a monthly qualifying income of $33,752.59. Both calculations result in qualifying income amounts that exceed the income ultimately used by the underwriter of $27,785.00. Condition cleared. ; Income and Employment Meet Guidelines | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
135 |
6191681587 | PennyMac Loan Services, LLC |
Yun | 12/03/2025 | $910,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 2.13 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
241 |
8214070555 | Sammamish Mortgage Company, a Corporation |
Sheffield | 11/13/2025 | $1,119,200.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 195487, provided on 1003 | 01/14/2026 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. ; Lender agreed with HMDA. Condition cleared.; Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. |
01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 | C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
241 |
8214070555 | Sammamish Mortgage Company, a Corporation |
Sheffield | 11/13/2025 | $1,119,200.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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202 |
8213900171 | American Bancshares Mortgage, LLC, a Limited Liability Company |
Smith | 11/12/2025 | $906,500.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing |
Homeownership Counseling Disclosure Is Missing Documentation required to clear exception. Evidence the Homeownership Counseling Disclosure was received within 3 days of the loan application | Homeownership Counseling Disclosure | 01/14/2026 | Homeownership Counseling Disclosure Is Present or Not Applicable; Material Finding | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 15.3 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
202 |
8213900171 | American Bancshares Mortgage, LLC, a Limited Liability Company |
Smith | 11/12/2025 | $906,500.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date or provide confirmation the lender has no affiliates. | Affiliated Business Disclosure response; Affiliated Business Disclosure | 01/20/2026 | Required Affiliated Business Disclosure Documentation Provided; Provide supporting documentation confirming the Affiliated Business Disclosure was delivered within three business days of application, or document the lender has no affiliation with the settlement service providers.; Material Finding | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 15.3 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
202 |
8213900171 | American Bancshares Mortgage, LLC, a Limited Liability Company |
Smith | 11/12/2025 | $906,500.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount |
The hazard insurance dwelling coverage of ($750000) is insufficient, not meeting the required coverage amount of ($906500). The hazard insurance dwelling coverage of $750,000 is insufficient, not meeting the required coverage amount of $906,500. Missing replacement cost estimate. | RCE | 01/14/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 15.3 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
202 |
8213900171 | American Bancshares Mortgage, LLC, a Limited Liability Company |
Smith | 11/12/2025 | $906,500.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided Missing all pages of the final AUS Submission #11 | AUS | 01/13/2026 | AUS is not incomplete | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 15.3 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
202 |
8213900171 | American Bancshares Mortgage, LLC, a Limited Liability Company |
Smith | 11/12/2025 | $906,500.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 15.3 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
202 |
8213900171 | American Bancshares Mortgage, LLC, a Limited Liability Company |
Smith | 11/12/2025 | $906,500.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Lender NMLS — 217378 LO NMLS — 84117 |
01/14/2026 | ; NMLS for Lender and LO was indicated on the executed Note.; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. ; NMLS for Lender and LO was indicated on the executed Note.; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. |
01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 15.3 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
244 |
8214088549 | Optimum First Inc., A California Corporation |
Ringel | 11/20/2025 | $1,246,400.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided Resubmission to the AUS is required: The IPC of $28,975 exceeds the amount of closing costs on the PCCD of $27,869.60. The Sales Price should be reduced by the amount of excess $1105.40, which will increase the LTV/CLTV to 80.06%. Guidelines allow up to 89.99% LTV/CLTV. |
Total Borrower Closing Cost = 29,536.14. 27,869.60 from J + 1666.54 from K — Please clear | 01/15/2026 | Total Borrower Closing Cost = 29,536.14. 27,869.60 from J + 1666.54 from K; Upon further review, Total Borrower Closing Cost = 29,536.14. 27,869.60 from J + 1666.54 from K. Condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 3.2 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
244 |
8214088549 | Optimum First Inc., A California Corporation |
Ringel | 11/20/2025 | $1,246,400.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within 3 business days of application | No affiliates | 01/14/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Material Finding |
01/15/2026 | Borrower has stable job time — Borrower has 3.2 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
244 |
8214088549 | Optimum First Inc., A California Corporation |
Ringel | 11/20/2025 | $1,246,400.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | LO NMLS 335783 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. |
01/15/2026 | Borrower has stable job time — Borrower has 3.2 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
244 |
8214088549 | Optimum First Inc., A California Corporation |
Ringel | 11/20/2025 | $1,246,400.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/13/2026 | Borrower has stable job time — Borrower has 3.2 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
144 |
6191693284 | PennyMac Loan Services, LLC |
Bogden | 12/01/2025 | $1,222,900.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 8.34 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
122 |
6191661559 | Pennymac Loan Services, LLC |
Bogopulsky | 11/26/2025 | $960,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | agree with RVDPPPGHCGZ40J4VQ731619166155910 | 01/14/2026 | Lender agrees with audit findings. Condition cleared.; Lender agrees with audit findings. Condition cleared.; Lender agrees with audit findings. Condition cleared.; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731619166155910 vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender agrees with audit findings. Condition cleared.; Lender agrees with audit findings. Condition cleared.; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731619166155910 vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700 | C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
122 |
6191661559 | Pennymac Loan Services, LLC |
Bogopulsky | 11/26/2025 | $960,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
139 |
6191686222 | PennyMac Loan Services, LLC |
Menon | 12/02/2025 | $992,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 3.4 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 739 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
212 |
8213966169 | The Turnkey Foundation Inc dba Arbor Financial Group, a California Corporation |
Giang | 11/19/2025 | $905,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI | 01/22/2026 | Lender provided the ULI. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.26% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.26% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 33.05% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 779 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
212 |
8213966169 | The Turnkey Foundation Inc dba Arbor Financial Group, a California Corporation |
Giang | 11/19/2025 | $905,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.26% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.26% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 33.05% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 779 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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239 |
8214068682 | The Turnkey Foundation Inc dba Arbor Financial Group, a California Corporation |
Samek | 11/21/2025 | $1,300,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/14/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821406868219 | 01/14/2026 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. ; Lender agreed with HMDA. Condition cleared.; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. |
01/15/2026 | Borrower has stable job time — Borrower has 14.53 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 23.61% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 89.99% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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239 |
8214068682 | The Turnkey Foundation Inc dba Arbor Financial Group, a California Corporation |
Samek | 11/21/2025 | $1,300,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | Lender provided the ULI. Condition cleared. ; HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/15/2026 | Borrower has stable job time — Borrower has 14.53 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 23.61% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
142 |
6191691196 | PennyMac Loan Services, LLC |
Chalk | 12/01/2025 | $1,319,200.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/14/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI | 01/22/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. |
01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.35 years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
142 |
6191691196 | PennyMac Loan Services, LLC |
Chalk | 12/01/2025 | $1,319,200.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |
HMDA received — additional discrepancy finding added. ; HMDA Data Tape Provided. |
01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 13.35 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
142 |
6191691196 | PennyMac Loan Services, LLC |
Chalk | 12/01/2025 | $1,319,200.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/02/2026 | Rescinded | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | That is incorrect — Pennymacs waterfall is to be used and this has been established and BOA agrees. Please follow our product profile water fall ; Invalid request — Per the UCDP’s already provided CU score 1.4, LCA 1 — third party valuation not required | 01/21/2026 | Upon further review, the Pennymac AUS Jumbo Product Profile waterfall are to be used. Condition rescinded. ; Audit reviewed the lenders response. Subject transaction is the purchase of a primary residence. A CDA is required per investor. Condition retained. | 01/22/2026 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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179 |
8213344232 | Lincoln Capital Advisors, LLC, A Georgia Limited Liability Company |
Hite | 09/10/2025 | $998,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FCRE1293 | Credit | Income 2 Months Income Verified is Missing |
Income 2 Months Income Verified is Missing Provide complete 2024 personal tax returns including all schedules for Self-Employment income analysis | From our underwriting team: The loan was escalated to the UW manager to utilize the transcripts instead of conditioning for the actual taxes since we had all the data points from the transcripts schedule C required to calculate qualifying income. There was no information missing on the transcripts for the Schedule C. There is no documentation better than the transcripts themselves. There is no Jumbo overlay to not use transcripts, so we follow FNMA policy. | 01/22/2026 | Upon further review, file contains a signed 4506C Sch C income you can use the transcripts. Since all the data points from the transcripts schedule C required to calculate qualifying income. There was no information missing on the transcripts for the Schedule C. Condition cleared. ; Per line 17 of the DU: Based on the information on the loan application, it appears that all Nicholas Hite’s self-employed businesses have been in existence for at least 5 years and may be eligible to be documented with one year of personal tax returns. If any of the self-employed income is being used for qualifying purposes, the income may be supported by personal tax returns covering the most recent one-year period (including all tax schedules), provided the tax returns reflect at least 12 months of self-employment income, the borrower has 25% or greater ownership in the business for five consecutive years, and the Cash Flow Analysis (Form 1084) or equivalent has been completed. Refer to the Selling Guide for additional information. Condition retained. (MSG ID 3729) |
02/03/2026 | Borrower has stable job time — Borrower has 6.39 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
179 |
8213344232 | Lincoln Capital Advisors, LLC, A Georgia Limited Liability Company |
Hite | 09/10/2025 | $998,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Showing evidence that the borrowers received the appraisal at least 3 days prior to consummation, 9/10/2025, may cure the violation. | Proof; Acknowledgement of receipt of appraisal | 02/02/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared. ; Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least 3 days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the 3 days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely; Material |
02/03/2026 | Borrower has stable job time — Borrower has 6.39 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80% |
D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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179 |
8213344232 | Lincoln Capital Advisors, LLC, A Georgia Limited Liability Company |
Hite | 09/10/2025 | $998,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided |
Missing Third Party Fraud Report Provide Fraud Report with OFAC cleared alerts including OFAC Check and Interested Parties Checked with Exclusionary Lists | You did not review — the document provided IS the Fraud report — I am uploading again for review ; Provided in original submission | 01/29/2026 | Lender provided the complete third party fraud report. Condition cleared. ; Third Party Fraud Report is provided; Audit reviewed the lender’s response. Please provide a Third Party Fraud Report. Condition retained. | 01/30/2026 | Borrower has stable job time — Borrower has 6.39 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80% |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
179 |
8213344232 | Lincoln Capital Advisors, LLC, A Georgia Limited Liability Company |
Hite | 09/10/2025 | $998,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/26/2026 | Rescinded | finding- 3551 |
Compliance | Post- Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test |
This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( 12 CFR §1026.19(f)(2)(v) )The post-consummation reason for redisclosure is “post-consummation cure for violation of tolerance/variation” or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | Cure package provided to the borrower prior to review; Exception resolved | 01/26/2026 | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
179 |
8213344232 | Lincoln Capital Advisors, LLC, A Georgia Limited Liability Company |
Hite | 09/10/2025 | $998,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/26/2026 | Resolved | finding- 3719 |
Compliance | TILA Post- Consummation Revised Closing Disclosure Finance Charge Test |
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is $1,366,724.06. The disclosed finance charge of $1,365,263.52 is not considered accurate because it is understated by more than $100. This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is $1,366,584.06. The disclosed finance charge of $1,365,263.52 is not considered accurate because it is understated by more than $100. | Cure package provided to the borrower prior to review; Exception resolved | 01/26/2026 | Borrower has stable job time — Borrower has 6.39 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
179 |
8213344232 | Lincoln Capital Advisors, LLC, A Georgia Limited Liability Company |
Hite | 09/10/2025 | $998,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | finding-651 | Compliance | TILA Finance Charge Test |
This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $1,366,724.06. The disclosed finance charge of $1,366,585.02 is not considered accurate because it is understated by more than $100. TILA 130b Cure Required. Refund in the amount of $139.04; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery and reopen rescission. The fees included in the finance charge calculation include: settlement fee ($500.00), closing protection letter ($50.00), prepaid interest ($3,049.44), flood certification ($11.50), processing fee ($750.00) and verification of employment ($150.00). Please provide fee breakdown of APR fees or cure package. | All cure docs provided in original submission | 01/22/2026 | Cure package provided to the borrower prior to review; exception resolved; Cure package provided to the borrower prior to review; exception resolved | 01/26/2026 | Borrower has stable job time — Borrower has 6.39 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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179 |
8213344232 | Lincoln Capital Advisors, LLC, A Georgia Limited Liability Company |
Hite | 09/10/2025 | $998,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing |
Borrower 2 3rd Party VOE Prior to Close Missing Provide 3rd party VOE for borrower or CPA letter | CPA letter was provided in the original submission | 01/22/2026 | Lender provided borrower 2 3rd Party VOE. Condition cleared. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 01/26/2026 | Borrower has stable job time — Borrower has 6.39 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80% |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
179 |
8213344232 | Lincoln Capital Advisors, LLC, A Georgia Limited Liability Company |
Hite | 09/10/2025 | $998,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared. ; HMDA Data Tape Provided. |
01/19/2026 | Borrower has stable job time — Borrower has 6.39 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
121 |
6191660944 | PennyMac Loan Services, LLC |
Spruill | 12/10/2025 | $1,160,000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 751 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 33.4% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 7.43 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
215 |
8213975804 | GL Financial Services, LLC., a Limited Liability Corporation |
Tarrash | 11/21/2025 | $1,427,433.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA | Third party valuation product provided within tolerance. | 02/02/2026 | Borrower has stable job time — Borrower has 2.91 years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
215 |
8213975804 | GL Financial Services, LLC., a Limited Liability Corporation |
Tarrash | 11/21/2025 | $1,427,433.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, discrepancy finding added. ; HMDA Data Tape Provided. |
02/02/2026 | Borrower has stable job time — Borrower has 2.91 years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
215 |
8213975804 | GL Financial Services, LLC., a Limited Liability Corporation |
Tarrash | 11/21/2025 | $1,427,433.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821397580469, Lender NMLS ID is 70099 | 01/30/2026 | ; ULI is valid.; Material; HMDA discrepancy noted: Lender ULI is missing, ALSO HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. | 02/02/2026 | Borrower has stable job time — Borrower has 2.91 years on job. | C | A | B | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
74 |
6191582951 | PennyMac Loan Services, LLC |
Stranc | 10/21/2025 | $1,288,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |
Missing proof of taxes and HOA on 2198 Garfias property. Also missing taxes on 27832 St Bernard property. Additional conditions may apply. | Regarding 2198 Gafias: I googled the property and it appears to be located in an older, established neighborhood where HOA dues are unlikely. | 01/22/2026 | Lender provided evidence of taxes and Property profile showing SFR on the Garfias property. Taxes on 27832 St Bernard property. Condition cleared. ; Lender provided evidence of taxes and Property profile showing SFR on the Garfias property. Taxes on 27832 St Bernard property. Condition cleared. | 01/26/2026 | Borrower has stable job time — Borrower has 24.82 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700 |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
74 |
6191582951 | PennyMac Loan Services, LLC |
Stranc | 10/21/2025 | $1,288,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 01/19/2026 | Borrower has stable job time — Borrower has 24.82 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700 |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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152 |
6191706432 | PennyMac Loan Services, LLC |
Okino | 12/09/2025 | $1,425,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 02/04/2026 | Borrower has stable job time — Borrower has 32.96 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 740 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
229 |
8214022765 | Optimum First Inc., a California Corporation |
Wan | 11/12/2025 | $1,300,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, discrepancy finding added. ; HMDA Data Tape Provided. |
02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.41% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 53.41% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 13.29 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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229 |
8214022765 | Optimum First Inc., a California Corporation |
Wan | 11/12/2025 | $1,300,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821402276530 | 01/30/2026 | ; The ULI is valid.; Material; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 549300CSPE70WIF4Z922251000073285 vs Lender value 633584A3542946788CDE85D6AFB72007549300CSPE70WIF4Z92225100O073285 , Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.41% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 53.41% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 13.29 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720 |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
145 |
6191694441 | PennyMac Loan Services, LLC |
Coy | 11/25/2025 | $1,519,200.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 21.62 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
57 |
6191525661 | PennyMac Loan Services, LLC |
Shafizadeh | 11/20/2025 | $1,087,150.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/14/2026 | Resolved | finding- 3367 |
Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator’s application date (or the date creditor received application if loan originator’s application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation needed to clear: Please provide homeownership counseling organizations disclosure dated within 3 business days of application date 08/19/25 | Homeownership Counseling Organizations Disclosure | 01/30/2026 | Lender provided the homeownership counseling organizations disclosure dated within 3 business days of application date 08/19/25. Condition cleared. ; Material | 01/30/2026 | Borrower has stable job time — Borrower has 11.9 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 36.06% is less than Guideline DTI of 50% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
57 |
6191525661 | PennyMac Loan Services, LLC |
Shafizadeh | 11/20/2025 | $1,087,150.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
01/27/2026 | Borrower has stable job time — Borrower has 11.9 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 36.06% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
131 |
6191675076 | PennyMac Loan Services, LLC |
Stack | 11/25/2025 | $857,500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Closed End Second — 30 yr refinance, no cash-out Property value of $1,102,000 confirmed by appraisal |
01/20/2026 | Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $1,102,000 confirmed by appraisal. Condition cleared.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $1,102,000 confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $1,102,000 confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $1,102,000 confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $1,102,000 confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 778 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 77.81% is less than Guideline LTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 23.79% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.81% is less than Guideline CLTV of 89.99% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
131 |
6191675076 | PennyMac Loan Services, LLC |
Stack | 11/25/2025 | $857,500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 778 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 77.81% is less than Guideline LTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 23.79% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.81% is less than Guideline CLTV of 89.99% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
131 |
6191675076 | PennyMac Loan Services, LLC |
Stack | 11/25/2025 | $857,500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/07/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien |
Title Coverage Amount of $850000 is Less than Total Amount of Subject Lien $857500 Lender to provide updated title coverage to reflect the minimum of loan amount of $857,500. | Title Coverage | 01/20/2026 | Lender provided the title update/supplement showing sufficient coverage. Condition cleared. ; Title Coverage Amount of $857500 is equal to or greater than Total Amount of Subject Lien $857500; Material Finding | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 778 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 77.81% is less than Guideline LTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 23.79% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.81% is less than Guideline CLTV of 89.99% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
132 |
6191679723 | Pennymac Loan Services, LLC |
Kuo | 12/02/2025 | $2,250,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/06/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $550.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $550.00, cure package requires a PCCD, LOE, Copy of refund check , and Proof of Delivery or Valid COC. The 0% tolerance violation is due to the increase in the Appraisal Fee from $800.00, to $1,350.00 on the initial CD dated 11/12/2025 without a valid COC in file. Please provide a COC or cure package. | COC | 01/20/2026 | Lender provided a valid COC for the increase in the appraisal fee from $800.00 to $1,350.00. Condition cleared. ; Lender provided a valid COC for the increase in the appraisal fee from $800.00 to $1,350.00. Condition cleared. | 01/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of 27.2% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 44.12% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.12% is less than Guideline CLTV of 80% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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132 |
6191679723 | Pennymac Loan Services, LLC |
Kuo | 12/02/2025 | $2,250,000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 27.2% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 44.12% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.12% is less than Guideline CLTV of 80% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
127 |
6191670291 | PennyMac Loan Services, LLC. |
Kann | 11/25/2025 | $1,900,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/06/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided Only part of the AUS is in the file. | Attached DU cert submission #6 appears to be complete. What do you feel is missing?; provided and accepted, two same findings | 01/15/2026 | Lender provided a complete copy of the AUS. Condition cleared. ; AUS is not incomplete; Audit reviewed the lender’s response. Please provide a complete copy of the AUS. Condition maintained. | 01/16/2026 | Borrower has stable job time — Borrower has 7.75 years on job. Qualifying DTI below max allowed. — Calculated DTI of 26.24% is less than Guideline DTI of 45% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
127 |
6191670291 | PennyMac Loan Services, LLC. |
Kann | 11/25/2025 | $1,900,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 7.75 years on job. Qualifying DTI below max allowed. — Calculated DTI of 26.24% is less than Guideline DTI of 45% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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140 |
6191686526 | PennyMac Loan Services, LLC |
Fahlman | 12/04/2025 | $1,400,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731619168652690, agree | 01/16/2026 | Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731619168652690 vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731619168652690 vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. |
01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 10.76% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 10.44 years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
140 |
6191686526 | PennyMac Loan Services, LLC |
Fahlman | 12/04/2025 | $1,400,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. — Calculated DTI of 10.76% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 10.44 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
118 |
6191658715 | PennyMac Loan Services, LLC |
Meyer | 12/17/2025 | $1,399,000.00 | MI | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/07/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) |
Provide evidence that no new open tradelines resulted from credit inquiries on 09/10/2025 from Advantage Credit, 08/13/2025 from Rocket/Xactus and 08/12/2025 from Certified Credit | Inquiry LOE | 01/20/2026 | Lender provided evidence that no new open tradelines resulted from credit inquiries on 09/10/2025. Condition cleared. | 01/21/2026 | Borrower has stable job time — Borrower has 15.97 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720 |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
118 |
6191658715 | PennyMac Loan Services, LLC |
Meyer | 12/17/2025 | $1,399,000.00 | MI | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 15.97 years on job. Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720 |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
137 |
6191684987 | Pennymac Loan Services, LLC |
Brummette | 12/04/2025 | $1,450,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 25.01% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 20.76 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 740 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
109 |
6191631035 | PennyMac Loan Services, LLC |
Mccarron | 12/12/2025 | $943,800.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $8,153.93.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $8,153.93; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The first zero tolerance violation in the amount of $8,078.93 is due to increase from $0.00 to $8,078.93 for the addition of the Broker Fee on the final CD dated 12/12/2025 without a valid COC in file. The second zero tolerance violation in the amount of $75.00 is due to increase from $825.00 to $900.00 for the Appraisal Fee on the revised LE dated 10/21/2025. COC in file dated 10/20/2025 does not detail a valid reason for the fee increase. Please provide valid COC’s or cure package. | COC’s | 01/14/2026 | Lender provided a valid COC for the increase in the appraisal fee and broker fee. Condition cleared. ; Lender provided a valid COC for the increase in the appraisal fee and broker fee. Condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 22.35 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 746 is greater than Guideline minimum FICO of 680 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.36% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 59.36% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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109 |
6191631035 | PennyMac Loan Services, LLC |
Mccarron | 12/12/2025 | $943,800.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | ; HMDA tape provided, no discrepancies noted condition cleared. | 02/04/2026 | Borrower has stable job time — Borrower has 22.35 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 746 is greater than Guideline minimum FICO of 680 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.36% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum — Calculated LTV of 59.36% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
168 |
6691667180 | Lifetime Home Loans LLC |
Barker | 12/04/2025 | $935,625.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The LCA risk score of 4 is greater than 2.5 maximum allowed. | Third party valuation product provided within tolerance. | 01/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 2.93 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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168 |
6691667180 | Lifetime Home Loans LLC |
Barker | 12/04/2025 | $935,625.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 2.93 years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
236 |
8214057396 | TRI Pointe Connect, LLC, a Limited Liability Corporation |
Cozington | 11/19/2025 | $1,085,024.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA provided in the original submission | 01/20/2026 | Third party valuation provided within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. |
01/21/2026 | Borrower has stable job time — Borrower has 8.25 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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236 |
8214057396 | TRI Pointe Connect, LLC, a Limited Liability Corporation |
Cozington | 11/19/2025 | $1,085,024.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/19/2026 | Borrower has stable job time — Borrower has 8.25 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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222 |
8213993338 | First Alliance Home Mortgage, LLC, a Limited Liability Corporation |
Devito | 10/30/2025 | $960,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. | Lender agrees with findings.; Material; Lender agrees with audit’s findings. | 01/29/2026 | Borrower has stable job time — Borrower has 26.11 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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222 |
8213993338 | First Alliance Home Mortgage, LLC, a Limited Liability Corporation |
Devito | 10/30/2025 | $960,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/16/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Appraisal Delivery; Appraisal delivery |
01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared. ; Evidence of appraisal delivery provided.; Material |
01/27/2026 | Borrower has stable job time — Borrower has 26.11 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
222 |
8213993338 | First Alliance Home Mortgage, LLC, a Limited Liability Corporation |
Devito | 10/30/2025 | $960,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 26.11 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
238 |
8214068227 | Prosperity Home Mortgage, LLC, a Limited Liability Company |
Costas | 10/31/2025 | $832,500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
02/02/2026 | Rescinded | FCOM3813 | Credit | Purchase Contract does not Match Final CD |
The final CD does not reflect the correct sales price when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(vii) |
02/03/2026 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
238 |
8214068227 | Prosperity Home Mortgage, LLC, a Limited Liability Company |
Costas | 10/31/2025 | $832,500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply.; HMDA Data Tape Provided. | 02/02/2026 | Borrower has stable job time — Borrower has 4.21 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 75% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
238 |
8214068227 | Prosperity Home Mortgage, LLC, a Limited Liability Company |
Costas | 10/31/2025 | $832,500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/22/2026 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements |
When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing evidence of the Net proceeds form sale of property of $789,031.26 | Settlement statement from sale of departing home | 01/30/2026 | Funds are found to meet guidelines. | 02/02/2026 | Borrower has stable job time — Borrower has 4.21 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 75% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
238 |
8214068227 | Prosperity Home Mortgage, LLC, a Limited Liability Company |
Costas | 10/31/2025 | $832,500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) |
Audited Reserves of $ are less than Guideline Required Reserves of $19018.59. | This should clear with verification of proceeds. | 01/30/2026 | Audited Reserves of $265498.9 are equal to or greater than AUS Required Reserves of $19018.59.; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing evidence of the Net proceeds form sale of property of $789,031.26 | 02/02/2026 | Borrower has stable job time — Borrower has 4.21 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 75% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
238 |
8214068227 | Prosperity Home Mortgage, LLC, a Limited Liability Company |
Costas | 10/31/2025 | $832,500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Rescinded | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Not required.; Not required. | 01/27/2026 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
238 |
8214068227 | Prosperity Home Mortgage, LLC, a Limited Liability Company |
Costas | 10/31/2025 | $832,500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Rescinded | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) |
Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) | Rescinded as this is a duplicate finding. | 01/27/2026 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
223 |
8214003621 | First Savings Mortgage Corporation, a Virginia Corporation |
Keating | 10/31/2025 | $1,270,000.00 | DC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. | Lender agrees with findings.; Material; Lender agrees with audit’s findings. | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 764 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 68.83% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.83% is less than Guideline CLTV of 90% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
223 |
8214003621 | First Savings Mortgage Corporation, a Virginia Corporation |
Keating | 10/31/2025 | $1,270,000.00 | DC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 764 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 68.83% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.83% is less than Guideline CLTV of 90% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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235 |
8214056143 | Advisors Mortgage Group, LLC |
Amorim | 11/04/2025 | $1,199,999.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 16.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
235 |
8214056143 | Advisors Mortgage Group, LLC |
Amorim | 11/04/2025 | $1,199,999.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Provide the Affiliated Business Disclosure dated within 3 business days of application. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material |
01/27/2026 | Borrower has stable job time — Borrower has 16.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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235 |
8214056143 | Advisors Mortgage Group, LLC |
Amorim | 11/04/2025 | $1,199,999.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared. ; Evidence of appraisal delivery provided.; Material |
01/27/2026 | Borrower has stable job time — Borrower has 16.44 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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217 |
8213976138 | Alerus Financial, N.A. dba Alerus Mortgage |
Karley | 11/03/2025 | $940,000.00 | ND | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 47.87 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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217 |
8213976138 | Alerus Financial, N.A. dba Alerus Mortgage |
Karley | 11/03/2025 | $940,000.00 | ND | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing To cure the defect please provide the Affiliated Business Disclosure dated within 3 business days of application. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 47.87 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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225 |
8214009191 | Legacy Home Loans, LLC dba Steadfast Mortgage, a Limited Liability Company |
Brock | 11/07/2025 | $880,000.00 | TN | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
02/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of 26.01% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 755 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 10.27 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
231 |
8214035262 | First Alliance Home Mortgage, LLC, a Limited Liability Corporation |
Palumbo | 11/10/2025 | $2,000,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.41% is less than Guideline CLTV of 80% Borrower has stable job time — Borrower has 36.25 years on job. Qualifying DTI below max allowed. — Calculated DTI of 23.61% is less than Guideline DTI of 720% Original LTV is Below the Guideline Maximum — Calculated LTV of 64.41% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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232 |
8214038114 | V.I.P. Mortgage, Inc. |
Vander Velde |
11/03/2025 | $1,280,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
01/27/2026 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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124 |
6191663974 | Pennymac Loan Services, LLC |
Brown | 12/29/2025 | $1,050,000.00 | DE | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/22/2026 | Resolved | FCRE1145 | Credit | Title Document Missing |
Title Document is missing | Please review ; Please review | 02/03/2026 | Title Document is fully Present | 02/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 34.53% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 6.34 years on job. |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
124 |
6191663974 | Pennymac Loan Services, LLC |
Brown | 12/29/2025 | $1,050,000.00 | DE | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, no discrepancies noted, condition cleared. ; HMDA Data Tape Provided. | 02/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 34.53% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 6.34 years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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124 |
6191663974 | Pennymac Loan Services, LLC |
Brown | 12/29/2025 | $1,050,000.00 | DE | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/22/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — AVM provided at time of initial submission | 01/28/2026 | Third party valuation provided within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. |
01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 34.53% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 6.34 years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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242 |
8214070643 | Alameda Mortgage Corporation |
Cartwright | 11/14/2025 | $875,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 77.78% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.78% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 2.74 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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242 |
8214070643 | Alameda Mortgage Corporation |
Cartwright | 11/14/2025 | $875,000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/20/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing The file is missing the ABD from the lender. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material |
01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 77.78% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.78% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 2.74 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
213 |
8213968697 | Farmers Bank & Trust, a State Bank |
Ruzicka | 11/24/2025 | $1,297,308.00 | MO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $150.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The exception is tied to the initial CD missing a receipt date at least 3 business days prior to consummation. A valid COC was provided for the addition of the final inspection fee. | ICD delivery | 01/29/2026 | Lender provided evidence for the CD dated within 3 business day prior to consummation of 11/24/25. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Lender provided evidence for the CD dated within 3 business day prior to consummation of 11/24/25. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Lender provided evidence for the CD dated within 3 business day prior to consummation of 11/24/25. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Lender provided evidence for the CD dated within 3 business day prior to consummation of 11/24/25. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Audit reviewed the lender’s response. Please provide the CD dated within 3 business day prior to consummation of 11/24/25. Condition retained. | 02/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90% Borrower has stable job time — Borrower has 12.91 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
213 |
8213968697 | Farmers Bank & Trust, a State Bank |
Ruzicka | 11/24/2025 | $1,297,308.00 | MO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | finding- 3532 |
Compliance | Initial Closing Disclosure Delivery Date Test |
This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing Borrower signature or other acknowledgement of receipt. The earliest CD in the loan file was issued on 11/18/2025. The violation can be cured by providing a copy of initial CD as well as evidence showing that is was received by the consumer 3 business days prior to consummation. | ICD; Initial Closing Disclosure Delivery Date | 01/30/2026 | Lender provided the tracking form confirming receipt within 5 business days prior to the 11/24/2025 consummation date. Condition cleared. ; Lender provided the tracking form confirming receipt within 5 business days prior to the 11/24/2025 consummation date. Condition cleared. ; Audit reviewed the lender’s response. Please provide the CD dated within 3 business day prior to consummation of 11/24/25. Condition retained.; Audit reviewed the lender’s response. Please provide the CD dated within 3 business day prior to consummation of 11/24/25. Condition retained. ; Audit reviewed the lender’s response. Please provide the CD dated within 3 business day prior to consummation of 11/24/25. Condition retained. | 02/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90% Borrower has stable job time — Borrower has 12.91 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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213 |
8213968697 | Farmers Bank & Trust, a State Bank |
Ruzicka | 11/24/2025 | $1,297,308.00 | MO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/20/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing The ABD from the lender is missing. | Affiliated Business | 01/29/2026 | Lender provided an attestation of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90% Borrower has stable job time — Borrower has 12.91 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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213 |
8213968697 | Farmers Bank & Trust, a State Bank |
Ruzicka | 11/24/2025 | $1,297,308.00 | MO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. | Lender agrees with findings.; Material; Lender agrees with audit’s findings. | 01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90% Borrower has stable job time — Borrower has 12.91 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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213 |
8213968697 | Farmers Bank & Trust, a State Bank |
Ruzicka | 11/24/2025 | $1,297,308.00 | MO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90% Borrower has stable job time — Borrower has 12.91 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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195 |
8213664003 | The Central Trust Bank, a Banking Institution |
Ginder | 10/15/2025 | $1,268,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/20/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID |
Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or valid ID. | US Patriot Act Disclosure | 01/27/2026 | ; Missing US Patriot Act Disclosure or ID.; Received completed patriot disclosure; Material | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 14.33 years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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195 |
8213664003 | The Central Trust Bank, a Banking Institution |
Ginder | 10/15/2025 | $1,268,000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 700 Borrower has stable job time — Borrower has 14.33 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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209 |
8213936415 | First Federal Bank, a Federally Chartered Savings Bank |
Kronsbein | 11/26/2025 | $980,000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
01/27/2026 | Borrower has stable job time — Borrower has 20.47 years on job. Qualifying DTI below max allowed. — Calculated DTI of 29.5% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 801 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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209 |
8213936415 | First Federal Bank, a Federally Chartered Savings Bank |
Kronsbein | 11/26/2025 | $980,000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing The ABA is not provided. Please provide proof of delivery and receipt within 3 business days of application date. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material |
01/27/2026 | Borrower has stable job time — Borrower has 20.47 years on job. Qualifying DTI below max allowed. — Calculated DTI of 29.5% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 801 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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204 |
8213914780 | United Home Loans, Inc, an Illinois Corporation |
Bazan | 11/21/2025 | $1,050,000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 45% Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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204 |
8213914780 | United Home Loans, Inc, an Illinois Corporation |
Bazan | 11/21/2025 | $1,050,000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 549300UKYJZO6CZXIX60250910726294 vs Lender value missing, ALSO missing lenders NMLS ID number, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
We agree with Audit ULI 549300UKYJZO6CZXIX60250910726294. Lender’s NMLS ID 215731 | 01/30/2026 | ; ULI is valid.; Material | 02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 45% Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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205 |
8213916330 | Leader Bank, N.A., a National Banking Association |
Notin | 11/14/2025 | $1,404,000.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. | Lender agrees with findings.; Material; Lender agrees with audit’s findings. | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 788 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 25.62% is less than Guideline DTI of 45% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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205 |
8213916330 | Leader Bank, N.A., a National Banking Association |
Notin | 11/14/2025 | $1,404,000.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/10/2025 or provide confirmation the lender has no affiliates. | Affiliated Business Disclosure | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material |
01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 788 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 25.62% is less than Guideline DTI of 45% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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205 |
8213916330 | Leader Bank, N.A., a National Banking Association |
Notin | 11/14/2025 | $1,404,000.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 788 is greater than Guideline minimum FICO of 720 Qualifying DTI below max allowed. — Calculated DTI of 25.62% is less than Guideline DTI of 45% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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201 |
8213881098 | Bank Independent, an Alabama Banking Corporation |
Simmons | 11/17/2025 | $1,300,600.00 | AL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level 3 discrepancies — condition cleared ; HMDA Data Tape Provided. |
01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 52.02% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 52.02% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 19.14 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
201 |
8213881098 | Bank Independent, an Alabama Banking Corporation |
Simmons | 11/17/2025 | $1,300,600.00 | AL | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/07/2025 or provide confirmation the lender has no affiliates. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material |
01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 52.02% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 52.02% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 19.14 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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247 |
8214128243 | Coastal Funding SLC, Inc. dba Pacific Trust Mortgage, a Corporation |
Soderberg | 11/10/2025 | $1,199,200.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Lender agrees with findings.; Material; Lender agrees with audit’s findings.; HMDA discrepancy noted: Audit sales price $1,499,900 vs Lender value $1,499,000, per HMDA property value is the value used to calculate the LTV. Lender can clear finding by agreeing with audit’s finding, or providing documentation to support their value. Note, there are multiple final CD’s and PCCD’s listing the two different sales prices, contract lists $1,499,900 | 01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.95% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.95% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 762 is greater than Guideline minimum FICO of 700 |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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247 |
8214128243 | Coastal Funding SLC, Inc. dba Pacific Trust Mortgage, a Corporation |
Soderberg | 11/10/2025 | $1,199,200.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | Additional discrepancy finding added.; HMDA Data Tape Provided. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.95% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.95% is less than Guideline CLTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 762 is greater than Guideline minimum FICO of 700 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
228 |
8214022345 | JSB Mortgage Corporation DBA Novus Mortgage, a California Corporation |
Han | 11/03/2025 | $1,356,500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit Loan purpose Refinancing vs Lender loan type missing, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
Lender agrees with findings.; Material; Lender agrees with audit’s findings. | 01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.72% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.72% is less than Guideline CLTV of 90% Borrower has stable job time — Borrower has 4.64 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
228 |
8214022345 | JSB Mortgage Corporation DBA Novus Mortgage, a California Corporation |
Han | 11/03/2025 | $1,356,500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared. ; Evidence of appraisal delivery provided.; Material |
01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.72% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.72% is less than Guideline CLTV of 90% Borrower has stable job time — Borrower has 4.64 years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
228 |
8214022345 | JSB Mortgage Corporation DBA Novus Mortgage, a California Corporation |
Han | 11/03/2025 | $1,356,500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.72% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.72% is less than Guideline CLTV of 90% Borrower has stable job time — Borrower has 4.64 years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
226 |
8214009605 | NFM Lending, LLC, a Limited Liability Company |
Melanson | 11/20/2025 | $896,000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Lender agrees with findings.; Material; Lender agrees with audit’s findings.; HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 10.9 years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
226 |
8214009605 | NFM Lending, LLC, a Limited Liability Company |
Melanson | 11/20/2025 | $896,000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 720 Borrower has stable job time — Borrower has 10.9 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
233 |
8214050192 | Synergy One Lending, Inc., a Corporation |
Cai | 11/08/2025 | $1,400,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 2549004FXPNKCLIN825016608877376 vs Lender value missing, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
Agree with the Audit’s ULI 2549004FXPNKCLIN825016608877376 | 01/30/2026 | ; Lender agrees with audit findings. Condition cleared. ; Material |
02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 67.31% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.31% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 5.28 years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
233 |
8214050192 | Synergy One Lending, Inc., a Corporation |
Cai | 11/08/2025 | $1,400,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 700 Original LTV is Below the Guideline Maximum — Calculated LTV of 67.31% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.31% is less than Guideline CLTV of 89.99% Borrower has stable job time — Borrower has 5.28 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
172 |
6691692467 | Answer Home Lending |
Holmes | 11/24/2025 | $1,276,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 02/03/2026 | Resolved | FCRE6101 | Credit | Audited AUS Interested Party Contribution Exceeds Guideline Program Maximum |
Audited AUS Interested Party Contribution of 1.58% exceeds maximum AUS interested party contribution standards of 1.51%. | Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 02/06/2026 | Borrower has stable job time — Borrower has 19.67 years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
172 |
6691692467 | Answer Home Lending |
Holmes | 11/24/2025 | $1,276,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 01/08/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided Interested Party Contributions exceed Total Closing Costs. On the Property page, navigate to the Purchase Contract card and reduce the Sales Price by the excess amount. The AUS is required to be re-ran lowering purchase price by the ICP overage of $1,112.89. | Incorrect — there is no IPC violation and no need for an AUS re-run | 01/13/2026 | AUS is not incomplete; AUS Partially Provided -> The financing concessions must be equal to or less than the sum of the closing costs: Review of the Final CD, the Realtor Credit (page 3) exceeds the Total Closing Costs (page 1) — An updated AUS resubmission is required to decrease the purchase price by the overage amount ($1112.89) and must reflect an approval with the higher LTV. | 02/06/2026 | Borrower has stable job time — Borrower has 19.67 years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
172 |
6691692467 | Answer Home Lending |
Holmes | 11/24/2025 | $1,276,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 02/03/2026 | Resolved | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum |
Audited Interested Party Contribution of 1.58% exceeds interested party contribution guideline maximum of 1.51%. | Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 02/06/2026 | Borrower has stable job time — Borrower has 19.67 years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
172 |
6691692467 | Answer Home Lending |
Holmes | 11/24/2025 | $1,276,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 19.67 years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
253 |
8214148972 | Mortgage Now, Inc |
Rajeshvincent | 11/21/2025 | $1,400,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |
Missing proof of HOA or letter from borrower stating no HOA for the property at 6 Brittany Way. Additional conditions may apply. | 6 Brittany HOA | 01/22/2026 | Lender provided an LOE from the borrower of no HOA on 6 Brittany Way. Condition cleared. ; Lender provided an LOE from the borrower of no HOA on 6 Brittany Way. Condition cleared. | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 7.4 years on job. |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
253 |
8214148972 | Mortgage Now, Inc |
Rajeshvincent | 11/21/2025 | $1,400,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing | Affiliated Business Disclosure | 01/22/2026 | Lender provided the affiliated business disclosure. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material |
01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 7.4 years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
253 |
8214148972 | Mortgage Now, Inc |
Rajeshvincent | 11/21/2025 | $1,400,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/22/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). A 3-day waiver was provided, however, evidence of appraisal delivery at or prior to consummation is missing. | Invalid — evidence provided in original submission | 01/09/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared. ; Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared. ; Evidence of appraisal delivery provided.; Material |
01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 7.4 years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
253 |
8214148972 | Mortgage Now, Inc |
Rajeshvincent | 11/21/2025 | $1,400,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/30/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | NonDel — we create ULI — RVDPPPGHCGZ40J4VQ731821414897297 | 01/09/2026 | Lender provided documentation to support value: RVDPPPGHCGZ40J4VQ731821414897297. Condition cleared. ; Lender provided documentation to support value: RVDPPPGHCGZ40J4VQ731821414897297. Condition cleared. ; Material; HMDA discrepancy noted: Audit ULI 549300FXZWGDF5ZVOK9225059482 vs Lender value RVDPPPGHCGZ40J4VQ731821414897297 , Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. |
01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 7.4 years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
253 |
8214148972 | Mortgage Now, Inc |
Rajeshvincent | 11/21/2025 | $1,400,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing |
Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE for B2 within 10 days of closing. Verifications in file are not within 10 days of closing. | VOE | 01/09/2026 | Lender provided VVOE within 10 business days of closing. Condition cleared. ; Lender provided VVOE within 10 business days of closing. Condition cleared. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 7.4 years on job. |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
253 |
8214148972 | Mortgage Now, Inc |
Rajeshvincent | 11/21/2025 | $1,400,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/26/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Per AUS Jumbo guidelines, if LCA returns no score, a CU score < 2.5 is sufficient. | 01/08/2026 | Lender provided UCDP report reflects a risk score of 1.4; therefore, an additional Third Party valuation is not required. Condition cleared.; Third party valuation product provided within tolerance. | 01/09/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 7.4 years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
253 |
8214148972 | Mortgage Now, Inc |
Rajeshvincent | 11/21/2025 | $1,400,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
12/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, additional discrepancy finding added. ; HMDA Data Tape Provided. |
12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50% Borrower has stable job time — Borrower has 7.4 years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
254 |
8214177829 | Vellum Mortgage, Inc., a Corporation |
Cepeda Derieux |
11/24/2025 | $1,264,000.00 | DC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Lender agrees with findings.; Material; Lender agrees with audit’s findings.; HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit’s value or provide documentation to support their value. | 01/29/2026 | Borrower has stable job time — Borrower has 7.16 years on job. Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
254 |
8214177829 | Vellum Mortgage, Inc., a Corporation |
Cepeda Derieux |
11/24/2025 | $1,264,000.00 | DC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within 3 business days of application. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material |
01/27/2026 | Borrower has stable job time — Borrower has 7.16 years on job. Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
254 |
8214177829 | Vellum Mortgage, Inc., a Corporation |
Cepeda Derieux |
11/24/2025 | $1,264,000.00 | DC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared. ; Evidence of appraisal delivery provided.; Material |
01/27/2026 | Borrower has stable job time — Borrower has 7.16 years on job. Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7 |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
254 |
8214177829 | Vellum Mortgage, Inc., a Corporation |
Cepeda Derieux |
11/24/2025 | $1,264,000.00 | DC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 7.16 years on job. Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7 |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
257 |
8214187068 | Advisors Mortgage Group, LLC |
Wilson, II |
11/14/2025 | $849,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.18% is less than Guideline LTV of 89.99% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700 Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.18% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 29.9% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 2.81 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
252 |
8214147091 | Advisors Mortgage Group, LLC |
Karim | 11/21/2025 | $1,340,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/20/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared. ; Evidence of appraisal delivery provided.; Material |
01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
252 |
8214147091 | Advisors Mortgage Group, LLC |
Karim | 11/21/2025 | $1,340,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material |
01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
252 |
8214147091 | Advisors Mortgage Group, LLC |
Karim | 11/21/2025 | $1,340,000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/16/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
255 |
8214185536 | 1st 2nd Mortgage Co. of NJ, Inc. |
Garcia | 11/19/2025 | $1,080,000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 13.07 years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
258 |
8214295664 | Plains Commerce Bank, a Corporation |
Palmer | 11/03/2025 | $1,150,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/27/2026 | Cured | finding- 3622 |
Compliance | TRID Post- Consummation Reason for Redisclosure Validation Test |
na This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. | ; ; | 02/03/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 25.99% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 5.46 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99% |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
258 |
8214295664 | Plains Commerce Bank, a Corporation |
Palmer | 11/03/2025 | $1,150,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/15/2026 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $90.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $90.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $90.00 is due to increase from $720.00 to $810.00 for the Appraisal Fee. COC in file referencing appraisal fee is dated 10/16/2025 and change was on LE 10/23/2025. | cured | 01/26/2026 | Lender provided the PCCD, LOE, refund of $90.00 and evidence of delivery. Loan will be graded a B. | 01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 25.99% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 5.46 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99% |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| Deal ID | Loan Number | Seller Loan Number |
Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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|
258 |
8214295664 | Plains Commerce Bank, a Corporation |
Palmer | 11/03/2025 | $1,150,000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% Qualifying DTI below max allowed. — Calculated DTI of 25.99% is less than Guideline DTI of 45% Borrower has stable job time — Borrower has 5.46 years on job. Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99% |
C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
256 |
8214186543 | First Savings Mortgage Corporation, a Virginia Corporation |
Rump | 11/18/2025 | $2,177,761.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
01/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 01/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of 26.92% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720 |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
199 |
8213755553 | Exclusive Mortgage Company |
Hernandez | 10/15/2025 | $1,067,500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCOM1225 | Credit | Second Home Rider is Missing |
Second Home Rider is Missing | Second Home Rider | 02/03/2026 | Lender provided the signed second home rider. Condition cleared. | 02/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 11.39 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700 |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
199 |
8213755553 | Exclusive Mortgage Company |
Hernandez | 10/15/2025 | $1,067,500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/20/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing | Affiliated Business | 02/03/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding |
02/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 11.39 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700 |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number | Seller Loan Number |
Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
199 |
8213755553 | Exclusive Mortgage Company |
Hernandez | 10/15/2025 | $1,067,500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/25/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted |
The following HMDA Discrepancy(s) have been noted: | Subject property is 2nd Home. Please review uploaded ; NonDEL ULI — RVDPPPGHCGZ40J4VQ731821375555358 AUS/1008 — Second home Conflicting documents — Secondary / primary No Second Home Rider” |
01/16/2026 | Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Material; Lender provided valid ULI; however, did not provide documentation to verify subject property is a 2nd home. The 1003 reflects subject as a primary residence and AUS shows as a 2nd home. Condition retained.; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Also, audit occupancy is Primary Residence and lenders is Second Home. Lender may clear finding by providing documentation to support their value.; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Material; Lender provided valid ULI; however, did not provide documentation to verify subject property is a 2nd home. The 1003 reflects subject as a primary residence and AUS shows as a 2nd home. Condition retained.; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Also, audit occupancy is Primary Residence and lenders is Second Home. Lender may clear finding by providing documentation to support their value.; Material Finding | 01/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 11.39 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700 |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
199 |
8213755553 | Exclusive Mortgage Company |
Hernandez | 10/15/2025 | $1,067,500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
11/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided |
Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 01/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45% Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% Borrower has stable job time — Borrower has 11.39 years on job. Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700 |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan ID | Seller Loan ID |
Investor Loan ID |
Note Date |
Original Loan Amount |
Sales Price |
Total Adjusted Prior Purchase Price |
Primary Appraised Value |
Primary Appraisal Date |
Primary Appraisal Type | Value for LTV |
LTV | CLTV | Loan Reviewed Property Value |
Loan Reviewed Variance Amount |
Loan Reviewed Variance Percent |
Loan Reviewed Product Type |
Loan Post- Close Reviewed Property Value |
Loan Post- Close Reviewed Variance Amount |
Loan Post- Close Reviewed Variance Percent |
Loan Post- Close Reviewed Product Type |
Second Appraisal Value |
Second Appraisal Variance Amount |
Second Appraisal Variance Percent |
Second Appraisal Date |
Second Appraisal Type |
AVM Appraised Value |
AVM Variance Amount |
AVM Variance Percent |
AVM Confidence Score |
FSD Score |
AVM Company Name |
AVM Product Name |
AVM Appraisal Date |
Desk Review Appraised Value |
Desk Review Variance Amount |
Desk Review Variance Percent |
Desk Review Company |
Desk Review Risk Score |
Desk Review Appraisal Date |
Second Desk Review Variance Amount |
Second Desk Review Variance Percent |
Second Desk Review Appraisal Date |
Second Desk Review Appraised Value |
Desk Top Appraised Value |
Desk Top Variance Amount |
Desk Top Variance Percent |
Desk Top Company |
Desk Top Appraisal Date |
BPO Appraised Value |
BPO Variance Amount |
BPO Variance Percent |
BPO Company |
BPO Appraisal Date |
Field Review Appraised Value |
Field Review Variance Amount |
Field Review Variance Percent |
Field Review Company |
Field Review Appraisal Date |
2055 Appraised Value |
2055 Variance Amount |
2055 Variance Percent |
2055 Company |
2055 Appraisal Date |
AVE/CMA Appraised Value |
AVE/ CMA Variance Amount |
AVE/ CMA Variance Percent |
AVE/ CMA Company |
AVE/ CMA Appraisal Date |
Other Appraised Value |
Other Variance Amount |
Other Variance Percent |
Other Appraisal Date |
Updated Appraised Value |
Updated Variance Amount |
Updated Variance Percent |
Updated Company |
Updated Appraisal Date |
Updated Appraisal Type |
Loan Collateral Advisor Risk Score |
Loan Collateral Advisor Risk Score Date |
Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor? |
Collateral Underwriter Risk Score |
Collateral Underwriter Risk Score Date | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 61 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 45.6 | 45.6 | XXXXXX | XXXXXX | -.0020 | AVM | XXXXXX | XXXXXX | -.0020 | 90.0 | 0.1 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 71 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 71.16 | 71.16 | XXXXXX | XXXXXX | .0072 | AVM | XXXXXX | XXXXXX | .0072 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | Eligible | 4.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 72 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.34 | 79.34 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 77 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 70 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 87 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0547 | AVM | XXXXXX | XXXXXX | -.0547 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 2.7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 158 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 68 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0628 | AVM | XXXXXX | XXXXXX | -.0628 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 157 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 58.87 | 58.87 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 155 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 154 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.9 | 79.9 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 93 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.51 | 69.51 | XXXXXX | XXXXXX | -.0967 | AVM | XXXXXX | XXXXXX | -.0967 | 92.0 | 0.08 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 183 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 66 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 59 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | -.0509 | AVM | XXXXXX | XXXXXX | -.0509 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 90 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0664 | AVM | XXXXXX | XXXXXX | -.0664 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 4.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 64 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.45 | 79.45 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | -.1106 | 89.0 | 0.11 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | Not Eligible | 3.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 69 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 2.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 187 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 48.28 | 48.28 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Not Eligible | 4.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 190 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 68.63 | 68.63 | Eligible | 2.4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 67 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 54.73 | 54.73 | XXXXXX | XXXXXX | -.0949 | AVM | XXXXXX | XXXXXX | -.0949 | 93.0 | 0.07 | Other | XXXXXX | XXXXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 96 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Not Eligible | 1.7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 78 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.77 | 64.77 | Not Eligible | 1.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 159 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 67.34 | 67.34 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 174 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 57.19 | 57.19 | 1.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 181 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.55 | 79.55 | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 192 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 56 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 63 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 71.79 | 71.79 | XXXXXX | XXXXXX | -.0850 | AVM | XXXXXX | XXXXXX | -.0850 | 83.0 | 0.17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 176 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.4 | 64.4 | Eligible | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 175 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.46 | 79.46 | Not Eligible | 1.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 173 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | 2.4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 182 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 59.8 | 63.15 | Eligible | 1.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 188 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 58.85 | 58.85 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Moderate | XXXXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 177 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 72.58 | 72.58 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | -.2650 | 85.0 | 0.15 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Eligible | 3.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 178 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .2294 | AVM | XXXXXX | XXXXXX | .2294 | 72.0 | 0.28 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX | Eligible | 4.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 106 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 74.72 | 74.72 | Not Eligible | 2.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 186 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0616 | AVM | XXXXXX | XXXXXX | -.0616 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 156 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.74 | 77.74 | XXXXXX | XXXXXX | -.0828 | Desk Review | XXXXXX | XXXXXX | .2913 | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | .0073 | 87.0 | 0.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | -.0828 | XXXXXX | High | XXXXXX | Not Eligible | 4.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 62 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 59.8 | 59.8 | XXXXXX | XXXXXX | -.2639 | AVM | XXXXXX | XXXXXX | -.2639 | 92.0 | 0.08 | Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX | -.0984 | XXXXXX | Moderate Risk | XXXXXX | Not Eligible | 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 189 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 68.48 | 68.48 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 105 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 65.87 | 65.87 | 2.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 107 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 94 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 78.97 | 78.97 | Eligible | 1.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 84 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.85 | 64.85 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | -.2180 | 77.0 | 0.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Eligible | 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 110 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 66.96 | 66.96 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 193 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 56.47 | 56.47 | XXXXXX | XXXXXX | .0411 | AVM | XXXXXX | XXXXXX | .0411 | 85.0 | 0.15 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX | Not Eligible | 4.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 91 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 74.67 | 74.67 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 162 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | Not Eligible | 2.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 80 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 66.88 | 66.88 | XXXXXX | XXXXXX | -.0174 | AVM | XXXXXX | XXXXXX | -.0174 | 87.0 | 0.13 | XXXXXX | XXXXXX | XXXXXX | Eligible | 3.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 85 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0438 | AVM | XXXXXX | XXXXXX | -.0438 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 1.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 97 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.27 | 79.27 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 2.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 65 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.5323 | AVM | XXXXXX | XXXXXX | -.5323 | 79.0 | 0.21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | 0.0 | XXXXXX | Not Eligible | 5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 88 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 75 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 44.31 | 44.31 | XXXXXX | XXXXXX | -.2940 | AVM | XXXXXX | XXXXXX | -.2940 | 91.0 | 0.9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low | XXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 111 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | -.1013 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 3.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 79 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 73.75 | 73.75 | Eligible | 2.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 160 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.2234 | AVM | XXXXXX | XXXXXX | -.2234 | 83.0 | 0.17 | Other | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | Eligible | 3.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 185 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.8 | 70.8 | XXXXXX | XXXXXX | -.3908 | AVM | XXXXXX | XXXXXX | -.3908 | 74.0 | 0.26 | Other | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 92 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 60.87 | 60.87 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 99 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0505 | AVM | XXXXXX | XXXXXX | -.0505 | 97.0 | 0.03 | Other | XXXXXX | XXXXXX | Not Eligible | 5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 86 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 38.76 | 38.76 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 76 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 43.52 | 43.52 | XXXXXX | XXXXXX | -.1363 | AVM | XXXXXX | XXXXXX | -.1363 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 4.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 83 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0805 | AVM | XXXXXX | XXXXXX | -.0805 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 1.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 104 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Not Eligible | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 95 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | .0531 | AVM | XXXXXX | 0 | .0000 | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | .0531 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 164 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 72.37 | 72.37 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | -.1923 | 80.0 | 0.2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | 0.0 | XXXXXX | Not Eligible | 3.9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 82 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 71.75 | 71.75 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 3.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 112 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 191 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | -.0051 | AVM | XXXXXX | XXXXXX | -.0051 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | Eligible | 2.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 163 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.77 | 77.77 | XXXXXX | XXXXXX | -.0505 | AVM | XXXXXX | XXXXXX | -.0505 | 91.0 | 0.09 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 1.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 81 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0300 | AVM | XXXXXX | XXXXXX | -.0300 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 3.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 58 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 46.17 | 46.17 | XXXXXX | XXXXXX | -.1388 | AVM | XXXXXX | XXXXXX | -.1388 | 75.0 | 0.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX | Not Eligible | 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 73 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.79 | 79.79 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 102 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 103 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.26 | 69.26 | Eligible | 1.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 184 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.1191 | AVM | XXXXXX | XXXXXX | -.1191 | 83.0 | 0.17 | Other | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Eligible | 4.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 196 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0197 | AVM | XXXXXX | XXXXXX | -.0197 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 54 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 165 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 60.0 | 60.0 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 117 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.01 | 77.01 | Eligible | 1.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 116 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.17 | 79.17 | XXXXXX | XXXXXX | -.0083 | AVM | XXXXXX | XXXXXX | -.0083 | 90.0 | 0.1 | Other | XXXXXX | XXXXXX | Eligible | 4.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 134 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0529 | AVM | XXXXXX | XXXXXX | -.0529 | 88.0 | 0.12 | Other | XXXXXX | XXXXXX | Not Eligible | 2.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 128 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 100 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Not Eligible | 1.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 101 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 115 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
210 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | .0658 | 81.0 | 0.19 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Eligible | 2.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID | Loan ID | Seller Loan ID |
Investor Loan ID |
Note Date |
Original Loan Amount |
Sales Price |
Total Adjusted Prior Purchase Price |
Primary Appraised Value |
Primary Appraisal Date |
Primary Appraisal Type | Value for LTV |
LTV | CLTV | Loan Reviewed Property Value |
Loan Reviewed Variance Amount |
Loan Reviewed Variance Percent |
Loan Reviewed Product Type |
Loan Post- Close Reviewed Property Value |
Loan Post- Close Reviewed Variance Amount |
Loan Post- Close Reviewed Variance Percent |
Loan Post- Close Reviewed Product Type |
Second Appraisal Value |
Second Appraisal Variance Amount |
Second Appraisal Variance Percent |
Second Appraisal Date |
Second Appraisal Type |
AVM Appraised Value |
AVM Variance Amount |
AVM Variance Percent |
AVM Confidence Score |
FSD Score |
AVM Company Name |
AVM Product Name |
AVM Appraisal Date |
Desk Review Appraised Value |
Desk Review Variance Amount |
Desk Review Variance Percent |
Desk Review Company |
Desk Review Risk Score |
Desk Review Appraisal Date |
Second Desk Review Variance Amount |
Second Desk Review Variance Percent |
Second Desk Review Appraisal Date |
Second Desk Review Appraised Value |
Desk Top Appraised Value |
Desk Top Variance Amount |
Desk Top Variance Percent |
Desk Top Company |
Desk Top Appraisal Date |
BPO Appraised Value |
BPO Variance Amount |
BPO Variance Percent |
BPO Company |
BPO Appraisal Date |
Field Review Appraised Value |
Field Review Variance Amount |
Field Review Variance Percent |
Field Review Company |
Field Review Appraisal Date |
2055 Appraised Value |
2055 Variance Amount |
2055 Variance Percent |
2055 Company |
2055 Appraisal Date |
AVE/CMA Appraised Value |
AVE/ CMA Variance Amount |
AVE/ CMA Variance Percent |
AVE/ CMA Company |
AVE/ CMA Appraisal Date |
Other Appraised Value |
Other Variance Amount |
Other Variance Percent |
Other Appraisal Date |
Updated Appraised Value |
Updated Variance Amount |
Updated Variance Percent |
Updated Company |
Updated Appraisal Date |
Updated Appraisal Type |
Loan Collateral Advisor Risk Score |
Loan Collateral Advisor Risk Score Date |
Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor? |
Collateral Underwriter Risk Score |
Collateral Underwriter Risk Score Date | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 197 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 41.06 | 41.06 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX | Not Eligible | 3.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 123 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0207 | AVM | XXXXXX | XXXXXX | .0207 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX | 2.9 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 167 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0447 | AVM | XXXXXX | XXXXXX | -.0447 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX | 3 | Eligible | 1.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 166 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0529 | Desk Review | XXXXXX | XXXXXX | -.0529 | XXXXXX | Moderate Risk | XXXXXX | Not Eligible | 2.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 119 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 78.21 | 78.21 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 161 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.29 | 79.29 | Eligible | 2.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 113 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 56.54 | 56.54 | XXXXXX | XXXXXX | -.0569 | AVM | XXXXXX | XXXXXX | -.0569 | 87.0 | 0.13 | Other | XXXXXX | XXXXXX | Not Eligible | 2.9 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 120 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 4.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 108 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.52 | 64.52 | XXXXXX | XXXXXX | -.2508 | AVM | XXXXXX | XXXXXX | -.2508 | 90.0 | 0.1 | Other | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 3.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 89 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 74.54 | 74.54 | Not Eligible | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 214 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0187 | AVM | XXXXXX | XXXXXX | -.0187 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 149 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 57.23 | 57.23 | XXXXXX | XXXXXX | -.0479 | AVM | XXXXXX | XXXXXX | -.0479 | 94.0 | 0.6 | XXXXXX | XXXXXX | XXXXXX | Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 136 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 143 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 130 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | -.7408 | 73.0 | 0.27 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 4.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 148 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 170 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | Eligible | 2.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 169 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.71 | 79.71 | Eligible | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 125 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0877 | AVM | XXXXXX | XXXXXX | -.0877 | 94.0 | 0.06 | Other | XXXXXX | XXXXXX | Not Eligible | 3.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.95 | 77.95 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 126 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 57.14 | 57.14 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 4.4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 55 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 171 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 49.15 | 49.15 | XXXXXX | XXXXXX | .0166 | AVM | XXXXXX | XXXXXX | .0166 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 2.9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 133 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 44.2 | 44.2 | XXXXXX | XXXXXX | .0221 | AVM | XXXXXX | XXXXXX | .0221 | 88.0 | 0.12 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 3.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 249 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Not Eligible | 2.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 230 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | -.1074 | 95.0 | 0.5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk Additional | XXXXXX | Not Eligible | 2.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 194 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 219 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0163 | AVM | XXXXXX | XXXXXX | -.0163 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX | Not Eligible | 4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 216 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0564 | Desk Review | XXXXXX | XXXXXX | -.0564 | XXXXXX | Moderate Risk | XXXXXX | Not Eligible | 3.9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 243 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 65.81 | 65.81 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 1.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 221 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.26 | 69.26 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 4.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 218 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | XXXXXX | .0277 | Desk Review | XXXXXX | XXXXXX | .0277 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 3.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 227 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 56.52 | 56.52 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 3.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 245 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0099 | AVM | XXXXXX | XXXXXX | -.0099 | 94.0 | 0.06 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 2.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 240 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.9 | 64.9 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 3.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 248 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 65.0 | 65.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 234 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0161 | AVM | XXXXXX | XXXXXX | -.0161 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 2.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 250 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 251 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 207 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 47.62 | 47.62 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 4.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 208 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 50.51 | 50.51 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 150 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.15 | 69.15 | XXXXXX | XXXXXX | -.0131 | AVM | XXXXXX | XXXXXX | -.0131 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 172 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | Not Eligible | 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 129 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 67.18 | 67.18 | Eligible | 1.9 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 180 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0333 | AVM | XXXXXX | XXXXXX | .0431 | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | -.0333 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 198 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0175 | XXXXXX | 1004 URAR | Not Eligible | 4.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 220 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0506 | AVM | XXXXXX | XXXXXX | -.0506 | 94.0 | 0.06 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 206 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0207 | XXXXXX | 1004 URAR | Not Eligible | 5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 147 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | -.0570 | AVM | XXXXXX | XXXXXX | -.0570 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 146 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.7 | 70.7 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | -.1051 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 138 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.1 | 79.1 | Not Eligible | 1.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | XXXXXX | .0866 | AVM | XXXXXX | XXXXXX | .0866 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 4.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 203 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | Eligible | 1.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 135 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 50.0 | 50.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 241 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0721 | AVM | XXXXXX | XXXXXX | -.0721 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 3.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 74.0 | 74.0 | XXXXXX | XXXXXX | -.1144 | AVM | XXXXXX | XXXXXX | -.1144 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 3.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 244 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 144 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | Eligible | 1.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 122 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 139 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 212 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 71.26 | 71.26 | XXXXXX | XXXXXX | -.0750 | AVM | XXXXXX | XXXXXX | -.0750 | 95.0 | 0.5 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 3.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 239 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 66.67 | 66.67 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | -.1421 | 89.0 | 0.11 | Other | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 4.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 142 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 179 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 65.44 | 65.44 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | -.1515 | 84.0 | 0.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | Not Eligible | 4.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 121 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0078 | AVM | XXXXXX | XXXXXX | -.0078 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 215 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 74 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Not Eligible | 1.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 152 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | .0393 | AVM | XXXXXX | XXXXXX | .0393 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 4.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 229 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 53.41 | 53.41 | XXXXXX | XXXXXX | .0158 | AVM | XXXXXX | XXXXXX | .0158 | 83.0 | 0.17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 145 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 2.7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 57 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 131 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.81 | 77.81 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 1.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 132 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 44.12 | 44.12 | XXXXXX | XXXXXX | -.0535 | AVM | XXXXXX | XXXXXX | -.0535 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 4.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 127 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | -.0418 | 77.0 | 0.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 2.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 140 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 118 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 68.65 | 68.65 | Eligible | 1.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 137 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 73.42 | 73.42 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 109 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 59.36 | 59.36 | XXXXXX | XXXXXX | .0063 | Desk Review | XXXXXX | XXXXXX | .0063 | XXXXXX | Moderate Risk | XXXXXX | Not Eligible | 3.9 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 168 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | Not Eligible | 2.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 236 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.09 | 75.09 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 222 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 238 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 51.71 | 51.71 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 3.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 68.83 | 68.83 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | XXXXXX | .0168 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 4.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 235 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 60.0 | 60.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 217 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0292 | AVM | XXXXXX | XXXXXX | -.0292 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 3.9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0477 | AVM | XXXXXX | XXXXXX | .0477 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | Eligible | 4.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 231 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.41 | 64.41 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 232 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 2.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
124 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | XXXXXX | -.0340 | AVM | XXXXXX | XXXXXX | -.0340 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 4.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID | Loan ID | Seller Loan ID |
Investor Loan ID |
Note Date |
Original Loan Amount |
Sales Price |
Total Adjusted Prior Purchase Price |
Primary Appraised Value |
Primary Appraisal Date |
Primary Appraisal Type | Value for LTV |
LTV | CLTV | Loan Reviewed Property Value |
Loan Reviewed Variance Amount |
Loan Reviewed Variance Percent |
Loan Reviewed Product Type |
Loan Post- Close Reviewed Property Value |
Loan Post- Close Reviewed Variance Amount |
Loan Post- Close Reviewed Variance Percent |
Loan Post- Close Reviewed Product Type |
Second Appraisal Value |
Second Appraisal Variance Amount |
Second Appraisal Variance Percent |
Second Appraisal Date |
Second Appraisal Type |
AVM Appraised Value |
AVM Variance Amount |
AVM Variance Percent |
AVM Confidence Score |
FSD Score |
AVM Company Name |
AVM Product Name |
AVM Appraisal Date |
Desk Review Appraised Value |
Desk Review Variance Amount |
Desk Review Variance Percent |
Desk Review Company |
Desk Review Risk Score |
Desk Review Appraisal Date |
Second Desk Review Variance Amount |
Second Desk Review Variance Percent |
Second Desk Review Appraisal Date |
Second Desk Review Appraised Value |
Desk Top Appraised Value |
Desk Top Variance Amount |
Desk Top Variance Percent |
Desk Top Company |
Desk Top Appraisal Date |
BPO Appraised Value |
BPO Variance Amount |
BPO Variance Percent |
BPO Company |
BPO Appraisal Date |
Field Review Appraised Value |
Field Review Variance Amount |
Field Review Variance Percent |
Field Review Company |
Field Review Appraisal Date |
2055 Appraised Value |
2055 Variance Amount |
2055 Variance Percent |
2055 Company |
2055 Appraisal Date |
AVE/CMA Appraised Value |
AVE/ CMA Variance Amount |
AVE/ CMA Variance Percent |
AVE/ CMA Company |
AVE/ CMA Appraisal Date |
Other Appraised Value |
Other Variance Amount |
Other Variance Percent |
Other Appraisal Date |
Updated Appraised Value |
Updated Variance Amount |
Updated Variance Percent |
Updated Company |
Updated Appraisal Date |
Updated Appraisal Type |
Loan Collateral Advisor Risk Score |
Loan Collateral Advisor Risk Score Date |
Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor? |
Collateral Underwriter Risk Score |
Collateral Underwriter Risk Score Date | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.78 | 77.78 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Eligible | 3.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 213 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 72.27 | 72.27 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX | Not Eligible | 3.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 195 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low | XXXXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 209 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0132 | AVM | XXXXXX | XXXXXX | .0132 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 2.9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 204 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 60.0 | 60.0 | XXXXXX | XXXXXX | -.0265 | AVM | XXXXXX | XXXXXX | -.0265 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 205 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 201 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 52.02 | 52.02 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 247 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.95 | 79.95 | XXXXXX | XXXXXX | -.0312 | AVM | XXXXXX | XXXXXX | -.0312 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | Eligible | 2.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 228 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 57.72 | 57.72 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 3.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | Eligible | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 233 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 67.31 | 67.31 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 2.4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 253 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.21 | 79.21 | Not Eligible | 1.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 257 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.18 | 77.18 | XXXXXX | XXXXXX | -.0982 | Desk Review | XXXXXX | XXXXXX | -.0982 | XXXXXX | Moderate Risk | XXXXXX | Not Eligible | 1.9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 252 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review | XXXXXX | 0 | .0000 | XXXXXX | Moderate | XXXXXX | Not Eligible | 2.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 255 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0103 | AVM | XXXXXX | XXXXXX | .0103 | 96.0 | 0.04 | Other | XXXXXX | XXXXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 258 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.7 | 69.7 | Eligible | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 256 |
XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.78 | 77.78 | XXXXXX | XXXXXX | .0289 | XXXXXX | 1004 URAR | Not Eligible | 4.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
199 |
XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | XXXXXX | -.0958 | AVM | XXXXXX | XXXXXX | -.0958 | 94.0 | 0.06 | XXXXXX | XXXXXX | XXXXXX | Not Eligible | 5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||