Nomura Asset Depositor Company, LLC ABS-15G

Exhibit 99.16

Seller

Loan ID

Seller Loan ID

Investor Loan ID

Alt ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXXXX

930706

Closed

2024-05-29 08:37

2024-06-07 15:10

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

Open-Document Uploaded. - Due Diligence Vendor-06/07/2024

Open- - Due Diligence Vendor-05/31/2024

Open- - Due Diligence Vendor-05/31/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/29/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1750712

N/A

XXXXXX

930706

Closed

2024-06-07 15:07

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1803120

Investor Post-Close

XXXXXX

724217

Closed

2024-05-30 07:41

2025-11-03 10:29

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-05/31/2024

Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/30/2024

Primary Residence

Purchase

1757075

Investor Post-Close

XXXXXX

724217

Closed

2024-05-28 14:10

2024-06-07 17:17

Acknowledged

2 - Non-Material

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024
Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX The Hazard Insurance effective date is after consummation date but before the Disbursement date. Any liability or issue that may potentially exist would fall on the original creditor and not necessarily fall on an assignee, as insurance coverage is in fact in place on the transaction, and provided that the coverage is sufficient. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2024

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024

Primary Residence

Purchase

1747077

Investor Post-Close

XXXXXX

724217

Closed

2024-05-30 05:49

2024-05-31 09:10

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. Client provided CDA. Condition cleared. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/30/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1756661

N/A

XXXXXX

533837

Closed

2024-05-28 15:30

2024-06-12 12:04

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/12/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/12/2024

Open- - Due Diligence Vendor-05/30/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/28/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/12/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/12/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1747868

N/A

XXXXXX

533837

Closed

2024-06-12 12:00

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/12/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1822517

Investor Post-Close

XXXXXX

159930

Closed

2024-05-29 06:18

2024-06-11 09:11

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/11/2024

Open-Document Uploaded. - Due Diligence Vendor-06/11/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/29/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/11/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1750042

N/A

XXXXXX

159930

Closed

2024-06-11 09:07

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/11/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1814953

Investor Post-Close

XXXXXX

305775

Closed

2024-05-29 10:28

2024-05-31 15:06

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided 02/10/2021 COC to increase the appraisal fee. Condition cleared. - Due Diligence Vendor-05/31/2024
Resolved- - Due Diligence Vendor-05/31/2024
Ready for Review-Document Uploaded. Please see attached COC for the appraisal fee and the revised LE sent on XX/XX/XXXX. - Seller-05/31/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The appraisal fee increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/29/2024

Ready for Review-Document Uploaded. Please see attached COC for the appraisal fee and the revised LE sent on XX/XX/XXXX. - Seller-05/31/2024

Resolved-Client provided XX/XX/XXXX COC to increase the appraisal fee. Condition cleared. - Due Diligence Vendor-05/31/2024
Resolved- - Due Diligence Vendor-05/31/2024

XXXXXXXXXXXX XXXXXX - COC for Appraisal Fee.pdf
XXXXXXXXXXXX XXXXXX - Revised LE for Appraisal Fee.pdf

Primary Residence

Purchase

1751762

N/A

XXXXXX

305775

Closed

2024-05-29 10:28

2024-05-31 15:06

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided 02/10/2021 COC to increase the appraisal fee. Condition cleared. - Due Diligence Vendor-05/31/2024
Resolved- - Due Diligence Vendor-05/31/2024
Ready for Review-Please see documents submitted for other condition - Seller-05/31/2024
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects an appraisal fee of $XXX. Post-Closing CD dated XX/XX/XXXX reflects an appraisal fee of $XXX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Tolerance cure of $XXX to be provided within 60 days of discovery. This finding is outside the statute of limitations and will be rated a B for all agencies.
- Due Diligence Vendor-05/29/2024

Ready for Review-Please see documents submitted for other condition - Seller-05/31/2024

Resolved-Client provided XX/XX/XXXX COC to increase the appraisal fee. Condition cleared. - Due Diligence Vendor-05/31/2024
Resolved- - Due Diligence Vendor-05/31/2024

Primary Residence

Purchase

1751761

N/A

XXXXXX

611814

Closed

2024-05-29 09:30

2024-10-01 11:26

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1751160

N/A

XXXXXX

611814

Closed

2024-05-31 09:13

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-05/31/2024

Primary Residence

Purchase

1765080

Investor Post-Close

XXXXXX

906783

Closed

2024-05-30 01:22

2024-05-31 09:40

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Client provided CDA. Condition cleared. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/30/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1756216

N/A

XXXXXX

906783

Closed

2024-05-31 09:38

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1765370

Investor Post-Close

XXXXXX

115606

Closed

2024-05-29 15:50

2024-06-07 14:39

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Document Uploaded. - Due Diligence Vendor-06/07/2024

Resolved-Post incident inspection provided. No Damage Noted. - Due Diligence Vendor-06/07/2024

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-05/29/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/07/2024

Resolved-Post incident inspection provided. No Damage Noted. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX.pdf

Primary Residence

Purchase

1754672

N/A

XXXXXX

687390

Closed

2024-05-29 13:53

2024-06-04 15:15

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/29/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1753691

N/A

XXXXXX

687390

Closed

2024-06-04 13:12

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1783987

Investor Post-Close

XXXXXX

500068

Closed

2024-05-30 03:46

2024-06-04 15:21

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1756428

N/A

XXXXXX

500068

Closed

2024-06-04 13:17

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1784020

Investor Post-Close

XXXXXX

500068

Closed

2024-05-30 04:06

2024-05-31 12:08

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Client provided a Rate Lock dated 03/21/2021 for the increase in discount points.  Condition cleared. - Due Diligence Vendor-05/31/2024
Resolved-Resolved - Due Diligence Vendor-05/31/2024
Ready for Review-Document Uploaded. The revised CD on XX/XX/XXXX was issued due to a pricing change due to a lock extension completed that same day.  Please see attached Lock request/confirmation. - Seller-05/31/2024
Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance.  This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2024

Ready for Review-Document Uploaded. The revised CD on XX/XX/XXXX was issued due to a pricing change due to a lock extension completed that same day. Please see attached Lock request/confirmation. - Seller-05/31/2024

Resolved-Client provided a Rate Lock dated XX/XX/XXXX for the increase in discount points. Condition cleared. - Due Diligence Vendor-05/31/2024
Resolved-Resolved - Due Diligence Vendor-05/31/2024

XXXXXXXXXXXX XXXXX - XX/XX/XXXX Lock Confirmation.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1756483

N/A

XXXXXX

500068

Closed

2024-05-30 04:06

2024-05-31 12:08

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Client provided a Rate Lock dated 03/21/2021 for the increase in discount points. Condition cleared. - Due Diligence Vendor-05/31/2024
Resolved-Resolved - Due Diligence Vendor-05/31/2024
Ready for Review-Please see documentation submitted for other condition. - Seller-05/31/2024
Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Discount points on CD dated XX/XX/XXXX is $X,XXX.XX. Revised CD XX/XX/XXXX lists fee as $X,XXX.XX. Lender tolerance cure of $XXX.XX is required. Section J reflects $XX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the Discount points. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies.
- Due Diligence Vendor-05/30/2024

Ready for Review-Please see documentation submitted for other condition. - Seller-05/31/2024

Resolved-Client provided a Rate Lock dated XX/XX/XXXX for the increase in discount points. Condition cleared. - Due Diligence Vendor-05/31/2024
Resolved-Resolved - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1756482

N/A

XXXXXX

368549

Closed

2024-05-29 14:36

2024-06-04 15:20

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Purchase

1754038

N/A

XXXXXX

368549

Closed

2024-06-04 13:21

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Purchase

1784059

Investor Post-Close

XXXXXX

716617

Closed

2024-05-30 06:19

2024-06-04 15:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1756722

N/A

XXXXXX

716617

Closed

2024-05-30 06:42

2024-06-04 09:39

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. Attached is the Replacement Cost Estimator from XXXX showing that is the replacement cost. The policy was renewing a few weeks later, and attached is the renewal REC and Coverage information. (This is the refinance of an XXXXXX loan, and we have a hazard and flood insurance vendor (XXXXXX) that monitors coverage to ensure it is adequate.) - Seller-06/03/2024
Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX The hazard insurance policy in file reflected dwelling coverage of $XXXXXX. The loan amount is $XXXXXXX which leaves a shortage of hazard insurance coverage.
- Due Diligence Vendor-05/30/2024

Ready for Review-Document Uploaded. Attached is the Replacement Cost Estimator from XXXX showing that is the replacement cost. The policy was renewing a few weeks later, and attached is the renewal REC and Coverage information. (This is the refinance of an XXXXXX loan, and we have a hazard and flood insurance vendor (Proctor) that monitors coverage to ensure it is adequate.) - Seller-06/03/2024

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX XXXX - Current RCE.pdf
XXXXXXXXXXXX XXXX - Renewal RCE.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1756818

N/A

XXXXXX

716617

Closed

2024-06-04 09:34

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1781772

Investor Post-Close

XXXXXX

716617

Closed

2024-05-30 06:19

2024-06-04 09:33

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-06/04/2024
Open-Appraisal or other primary valuation product is missing DU required a 1004 appraisal to document appraised value. Lender obtained a Single Loan Waiver from XXXX with approved exception for an Appraisal Waiver. All lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/31/2024

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1756720

N/A

XXXXXX

820403

Closed

2024-05-29 04:53

2024-06-06 14:48

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/06/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/06/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/29/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/06/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/06/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Purchase

1749850

N/A

XXXXXX

820403

Closed

2024-06-06 14:40

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/06/2024

Primary Residence

Purchase

1796985

Investor Post-Close

XXXXXX

481621

Closed

2024-05-30 08:52

2024-08-14 16:36

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Cash Out - Other

1757589

N/A

XXXXXX

481621

Closed

2024-05-30 09:23

2024-06-03 10:03

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Client provided rate lock for each discount point fee increase.  Condition cleared.   - Due Diligence Vendor-06/03/2024
Resolved- - Due Diligence Vendor-06/03/2024
Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-06/03/2024
Ready for Review-Document Uploaded. Your comments mention a revised CD on XX/XX/XXXX, however, there were no CDs issued with a XX/XX/XXXX date.  Revised CDs were issued on XX/XX/XXXX and XX/XX/XXXX due to a pricing changes for a lock extensions.  Please see lock confirmation with history of pricing changes and the corresponding CD issued. - Seller-05/31/2024
Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Discount points on CD dated XX/XX/XXXX is $X,XXX.XX. Revised CD XX/XX/XXXX lists fee as $XX,XXX.XX. Section J reflects $XXX tolerance cure that is insufficient as it was applied to the tolerance cure for the Discount points. Lender tolerance cure of $X,XXX.XX is required.  Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2024

Ready for Review-Document Uploaded. Your comments mention a revised CD on XX/XX/XXXX, however, there were no CDs issued with a XX/XX/XXXX date. Revised CDs were issued on XX/XX/XXXX and XX/XX/XXXX due to a pricing changes for a lock extensions. Please see lock confirmation with history of pricing changes and the corresponding CD issued. - Seller-05/31/2024

Resolved-Client provided rate lock for each discount point fee increase. Condition cleared. - Due Diligence Vendor-06/03/2024

Resolved- - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX XXXXXXXXXXXX - Lock Confirmation.pdf
XXXXXXXXXXXX XXXXXXXXXXXX - Revised Closing Disclosure XX/XX/XXXX.pdf
XXXXXXXXXXXX XXXXXXXXXXXX - Revised Closing Disclosure XX/XX/XXXX.pdf

Primary Residence

Refinance

Cash Out - Other

1757851

N/A

XXXXXX

481621

Closed

2024-05-30 09:23

2024-06-03 10:03

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Client provided rate lock for each discount point fee increase. Condition cleared. - Due Diligence Vendor-06/03/2024
Resolved- - Due Diligence Vendor-06/03/2024
Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-06/03/2024
Ready for Review-Please see information submitted for other condition. - Seller-05/31/2024
Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2024

Ready for Review-Please see information submitted for other condition. - Seller-05/31/2024

Resolved-Client provided rate lock for each discount point fee increase. Condition cleared. - Due Diligence Vendor-06/03/2024

Resolved- - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Cash Out - Other

1757849

N/A

XXXXXX

481621

Closed

2024-05-31 10:13

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Cash Out - Other

1765735

Investor Post-Close

XXXXXX

928195

Closed

2024-05-30 09:59

2024-06-04 15:17

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1758187

N/A

XXXXXX

928195

Closed

2024-06-04 13:32

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1784130

Investor Post-Close

XXXXXX

436604

Closed

2024-05-31 13:37

2024-06-04 15:14

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1767648

N/A

XXXXXX

436299

Closed

2024-05-30 06:43

2024-06-07 14:41

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Document Uploaded. - Due Diligence Vendor-06/07/2024

Resolved-Post incident inspection provided. No Damage Noted. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1756823

N/A

XXXXXX

833176

Closed

2024-05-30 03:53

2024-06-04 15:12

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1756445

N/A

XXXXXX

263876

Closed

2024-05-30 09:23

2024-06-07 14:43

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Document Uploaded. - Due Diligence Vendor-06/07/2024

Resolved-Post incident inspection provided. No Damage Noted. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX.pdf

Primary Residence

Purchase

1757847

N/A

XXXXXX

263876

Closed

2024-05-30 09:37

2024-06-04 14:08

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024
Resolved- - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. Please see attached Lock Confirmation, COC, and Revised CD issued. - Seller-06/03/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated (XX/XX/XXXX), does not reflects a (Discount Point). ( Post-Closing) CD dated (XX/XX/XXXX) reflects a (Discount Point) of ($XXXX). [The loan file did not contain a valid COC to support the increase.] No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2024

Ready for Review-Document Uploaded. Please see attached Lock Confirmation, COC, and Revised CD issued. - Seller-06/03/2024

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024

Resolved- - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX XXXXXX - Lock Confirmation.pdf
XXXXXXXXXXXX XXXXXX - COC.pdf
XXXXXXXXXXXX XXXXXXX - Revised CD XX/XX/XXXX.pdf

Primary Residence

Purchase

1757998

N/A

XXXXXX

263876

Closed

2024-05-30 09:37

2024-06-04 14:08

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024
Resolved- - Due Diligence Vendor-06/04/2024
Ready for Review-Please see docs submitted for other condition. - Seller-06/03/2024
Open-The Loan Estimate, dated (XX/XX/XXXX), does not reflects a (Discount Point). ( Post-Closing) CD dated (XX/XX/XXXX) reflects a (Discount Point) of ($XXXX). [The loan file did not contain a valid COC to support the increase.] No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2024
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-05/30/2024

Ready for Review-Please see docs submitted for other condition. - Seller-06/03/2024

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024

Resolved- - Due Diligence Vendor-06/04/2024

Primary Residence

Purchase

1757997

N/A

XXXXXX

263876

Closed

2024-06-01 14:27

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Finding graded B for S&P only and graded A for all other RAs. - Due Diligence Vendor-06/01/2024

Primary Residence

Purchase

1771435

Investor Post-Close

XXXXXX

263876

Closed

2024-06-01 14:22

2024-06-01 14:24

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/01/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/01/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/01/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1771423

N/A

XXXXXX

975576

Closed

2024-05-30 10:54

2024-06-03 06:07

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided a COC for the appraisal fee increase. Condition cleared. - Due Diligence Vendor-06/03/2024
Resolved-Resolved - Due Diligence Vendor-06/03/2024
Ready for Review-Document Uploaded. Please see attached Change of Circumstance and corresponding revised LE - Seller-05/31/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Appraisal Fee increased on the PCCD dated XX/XX/XXXX without a valid COC. No Cure. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2024

Ready for Review-Document Uploaded. Please see attached Change of Circumstance and corresponding revised LE - Seller-05/31/2024

Resolved-Client provided a COC for the appraisal fee increase. Condition cleared. - Due Diligence Vendor-06/03/2024

Resolved-Resolved - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX XXXXX - COC for Appraisal Fee.pdf
XXXXXXXXXXXX XXXXX - Revised LE for Appraisal Fee.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1758675

N/A

XXXXXX

975576

Closed

2024-05-30 10:54

2024-06-03 06:07

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided a COC for the appraisal fee increase. Condition cleared. - Due Diligence Vendor-06/03/2024
Resolved-Resolved - Due Diligence Vendor-06/03/2024
Ready for Review-Please see documents submitted for other condition. - Seller-05/31/2024
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Initial Loan Estimate reflects an Appraisal Fee of $XXX.XX. Post-Closing CD reflects an Appraisal Fee of $XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX0 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2024

Ready for Review-Please see documents submitted for other condition. - Seller-05/31/2024

Resolved-Client provided a COC for the appraisal fee increase. Condition cleared. - Due Diligence Vendor-06/03/2024

Resolved-Resolved - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1758674

N/A

XXXXXX

830705

Closed

2024-05-31 04:13

2024-06-03 10:31

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. . - Due Diligence Vendor-05/31/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Purchase

1763681

N/A

XXXXXX

830705

Closed

2024-06-03 09:04

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Purchase

1775179

Investor Post-Close

XXXXXX

582589

Closed

2024-05-31 01:25

2024-06-04 15:22

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Purchase

1763415

N/A

XXXXXX

582589

Closed

2024-06-04 13:37

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Purchase

1784184

Investor Post-Close

XXXXXX

760049

Closed

2024-05-30 10:33

2024-05-31 10:17

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1758486

N/A

XXXXXX

382059

Closed

2024-05-31 04:38

2024-06-04 14:03

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Client provided HOI effective XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-06/04/2024
Rescinded-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. There was an updated binder in the file. Please see attachment showing 3.24 as the effective date. - Seller-06/03/2024
Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-05/31/2024

Ready for Review-Document Uploaded. There was an updated binder in the file. Please see attachment showing XX/XX/XXXX as the effective date. - Seller-06/03/2024

XXXXXXXXXXXX XXXXXX - Ins with effetive date of XX/XX/XXXX.pdf

Primary Residence

Purchase

1763715

N/A

XXXXXX

382059

Closed

2024-06-01 14:34

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Finding graded B for S&P and graded A for all other Agencies. - Due Diligence Vendor-06/01/2024

Primary Residence

Purchase

1771457

Investor Post-Close

XXXXXX

382059

Closed

2024-05-31 04:29

2024-06-01 14:33

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/01/2024
Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/01/2024
Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/31/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/01/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/01/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1763711

N/A

XXXXXX

535730

Closed

2024-06-03 09:00

2024-06-12 17:46

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-XXXX Pay History and XXXX PH through XX/XX/XXXX provided. No evidence of disaster related missed payments. Lender also provided statement indicating they do not have any evidence that the borrower called in for disaster forbearance or knowledge of a filed insurance claim. Condition Resolved. - Due Diligence Vendor-06/12/2024
Ready for Review-Document Uploaded. Attached is the correct XXXX pay history. - Seller-06/12/2024
Open- - Due Diligence Vendor-06/12/2024
Ready for Review-Document Uploaded. Attached are the requested pay histories from Servicing. Per XXXXX XXXXXX, Servicing Product Manager: My insurance team has reviewed the loan. They did not find any evidence of call from the borrower for a disaster forbearance or that the borrower filed an insurance claim. In addition, Proctor Loan Protector, our third-party vendor, did not show evidence that the property was in a disaster area. - Seller-06/12/2024
Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-06/03/2024

Ready for Review-Document Uploaded. Attached is the correct XXXX pay history. - Seller-06/12/2024
Ready for Review-Document Uploaded. Attached are the requested pay histories from Servicing. Per XXXXX XXXXXXX, XXXXXXXXX XXXXXXX XXXXXXX: My insurance team has reviewed the loan. They did not find any evidence of call from the borrower for a disaster forbearance or that the borrower filed an insurance claim. In addition, XXXXXXX XXXX XXXXXXXXX, our third-party vendor, did not show evidence that the property was in a disaster area. - Seller-06/12/2024

XXXXXXXXXXXX - XXXX Pay History.txt
XXXXXXXXXXXX - XXXX Pay History.TXT

Second Home

Refinance

Cash Out - Other

1775158

N/A

XXXXXX

535730

Closed

2024-06-03 08:57

2024-06-03 15:27

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value obtained. - Due Diligence Vendor-06/03/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/03/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value obtained. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX_RDA.pdf

Second Home

Refinance

Cash Out - Other

1775136

N/A

XXXXXX

535730

Closed

2024-06-03 15:25

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-06/03/2024

Second Home

Refinance

Cash Out - Other

1778465

Investor Post-Close

XXXXXX

641365

Closed

2024-05-27 03:55

2024-06-05 10:17

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/27/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1740682

N/A

XXXXXX

641365

Closed

2024-06-05 10:07

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1788597

Investor Post-Close

XXXXXX

265280

Closed

2024-05-29 11:30

2024-06-03 09:43

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided a COC for the appraisal fee increase. Condition cleared. - Due Diligence Vendor-06/03/2024
Resolved-Resolved - Due Diligence Vendor-06/03/2024
Ready for Review-Document Uploaded. Please see attached COC info and revised CD issued for a change to the appraisal fee on XX/XX/XXXX. - Seller-05/31/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Require COC for change in appraisal fee. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2024

Ready for Review-Document Uploaded. Please see attached COC info and revised CD issued for a change to the appraisal fee on XX/XX/XXXX. - Seller-05/31/2024

Resolved-Client provided a COC for the appraisal fee increase. Condition cleared. - Due Diligence Vendor-06/03/2024

Resolved-Resolved - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX XXXXXXX - Revised LE for Appraisal Fee.pdf
XXXXXXXXXXXX XXXXXXX - COC for Appraisal Fee.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1752467

N/A

XXXXXX

265280

Closed

2024-05-29 11:30

2024-06-03 09:43

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided a COC for the appraisal fee increase. Condition cleared. - Due Diligence Vendor-06/03/2024

Resolved-Resolved - Due Diligence Vendor-06/03/2024

Ready for Review-Please see documents submitted for other condition. - Seller-05/31/2024

Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2024

Ready for Review-Please see documents submitted for other condition. - Seller-05/31/2024

Resolved-Client provided a COC for the appraisal fee increase. Condition cleared. - Due Diligence Vendor-06/03/2024

Resolved-Resolved - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1752466

N/A

XXXXXX

265280

Closed

2024-05-31 10:23

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1765838

Investor Post-Close

XXXXXX

265280

Closed

2024-05-28 09:32

2024-05-31 10:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-05/31/2024

Resolved-Client provided CDA. Condition cleared. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. . - Due Diligence Vendor-05/28/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1743866

N/A

XXXXXX

777911

Closed

2024-05-31 03:57

2024-06-01 14:37

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/01/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/01/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. . - Due Diligence Vendor-05/31/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/01/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/01/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1763662

N/A

XXXXXX

777911

Closed

2024-06-01 14:36

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Finding graded B for S&P and graded A for all other agencies. - Due Diligence Vendor-06/01/2024

Primary Residence

Purchase

1771467

Investor Post-Close

XXXXXX

551313

Closed

2024-05-31 03:06

2024-06-04 13:47

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024
Resolved-Resolved - Due Diligence Vendor-06/04/2024
Ready for Review-See docs submitted for COC condition - Seller-06/03/2024
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Initial Loan Estimate reflects a Discount Points fee of $1934.00. Post-Closing CD reflects a Discount Points fee of $1968.75. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/31/2024

Ready for Review-See docs submitted for COC condition - Seller-06/03/2024

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024

Resolved-Resolved - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1763579

N/A

XXXXXX

551313

Closed

2024-05-31 03:06

2024-06-04 13:47

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024
Resolved-Resolved - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. Loan amount changed - see attached lock confirmation, COC, and revised Cd. - Seller-06/03/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Initial Loan Estimate reflects a Discount Points fee of $1934.00. Post-Closing CD reflects a Discount Points fee of $1968.75. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/31/2024

Ready for Review-Document Uploaded. Loan amount changed - see attached lock confirmation, COC, and revised Cd. - Seller-06/03/2024

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024

Resolved-Resolved - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX XXXXXX - XX/XX/XXXX COC for loan amount change.pdf
XXXXXXXXXXXX XXXXXXXXXXXX - XX/XX/XXXX Lock Confimation.pdf
XXXXXXXXXXXX XXXXXXX - XX/XX/XXXX Revised CD.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1763580

N/A

XXXXXX

378063

Closed

2024-05-31 04:45

2024-06-01 14:41

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/01/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/01/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. CU risk score 5.0 - Due Diligence Vendor-05/31/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/01/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/01/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1763729

N/A

XXXXXX

378063

Closed

2024-06-01 14:40

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Finding graded B for S&P and graded A for all other agencies. - Due Diligence Vendor-06/01/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1771476

Investor Post-Close

XXXXXX

286179

Closed

2024-05-31 13:01

2024-06-05 09:33

Resolved

1 - Information

Compliance

Missing Doc

Loan Estimate disclosure is missing or incomplete

Resolved-Client provided clarification that the XX/XX/XXXX LE is from another lender.  Condition cleared.   - Due Diligence Vendor-06/05/2024
Ready for Review-Document Uploaded. What you are seeing is an LE issued from another company that was used for a pricing exception since the borrower was trying to get us to match what another company was offering them---it says XXXX XXXXXXXX XXX across the top, not XXXXXX XXXX. - Seller-06/04/2024
Counter-Client provided XX/XX/XXXX LE. It's the initial LE dated XX/XX/XXXX that was missing page 3.  Condition remains. - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. I am unsure what LE you are referring to since initial disclosures were not issued until XX/XX/XXXX.  Please see attached Disclosure Tracking Information and a complete LE from XX/XX/XXXX. - Seller-06/03/2024
Open-Loan Estimate disclosure is missing or incomplete ILE dated on XX/XX/XXXX, 3 page is missing  - Due Diligence Vendor-05/31/2024

Ready for Review-Document Uploaded. What you are seeing is an LE issued from another company that was used for a pricing exception since the borrower was trying to get us to match what another company was offering them---it says XXXX XXXXXXXX XXX across the top, not XXXXXX XXXX. - Seller-06/04/2024
Ready for Review-Document Uploaded. I am unsure what LE you are referring to since initial disclosures were not issued until XX/XX/XXXX. Please see attached Disclosure Tracking Information and a complete LE from XX/XX/XXXX. - Seller-06/03/2024

Resolved-Client provided clarification that the XX/XX/XXXX LE is from another lender. Condition cleared. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX XXXXXX - LE dated XX/XX/XXXX.pdf
XXXXXXXXXXXX XXXXXX - Disclosure Tracking Information.pdf
XXXXXXXXXXXX XXXXXX Pricing Exception Request.pdf

Primary Residence

Purchase

1767139

N/A

XXXXXX

175399

Closed

2024-05-09 12:27

2024-06-07 15:14

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

Open-Document Uploaded. - Due Diligence Vendor-06/07/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/09/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1668839

N/A

XXXXXX

175399

Closed

2024-06-07 15:12

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1803150

Investor Post-Close

XXXXXX

775917

Closed

2024-05-07 08:45

2024-05-31 10:27

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1658703

N/A

XXXXXX

775917

Closed

2024-05-31 10:25

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1765847

Investor Post-Close

XXXXXX

825473

Closed

2024-05-10 12:19

2024-06-10 09:58

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/10/2024

Open-Document Uploaded. - Due Diligence Vendor-06/10/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/10/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/10/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Purchase

1673277

N/A

XXXXXX

825473

Closed

2024-06-10 09:55

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/10/2024

Primary Residence

Purchase

1809463

Investor Post-Close

XXXXXX

289073

Closed

2024-05-09 06:38

2024-06-06 15:04

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/06/2024

Open-Document Uploaded. - Due Diligence Vendor-06/06/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/09/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/06/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1666762

N/A

XXXXXX

289073

Closed

2024-06-06 15:01

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/06/2024

Primary Residence

Refinance

Cash Out - Other

1797182

Investor Post-Close

XXXXXX

301352

Closed

2024-05-09 13:50

2024-06-04 15:15

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Purchase

1669283

N/A

XXXXXX

301352

Closed

2024-06-04 13:41

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Purchase

1784228

Investor Post-Close

XXXXXX

383472

Closed

2024-06-05 12:58

2025-11-03 10:23

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. This finding is graded C for S&P only and graded A for all other agencies. - Due Diligence Vendor-09/25/2024

Acknowledged- - Due Diligence Vendor-06/05/2024

Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. This finding is graded C for S&P only and graded A for all other agencies. - Due Diligence Vendor-06/05/2024

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. This finding is graded C for S&P only and graded A for all other agencies. - Due Diligence Vendor-09/25/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1790290

Investor Post-Close

XXXXXX

383472

Closed

2024-05-09 14:40

2024-06-05 14:31

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

Resolved-CDA Received. CDA greater than 10% variance. Opened new condition for 2055. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/09/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1669551

N/A

XXXXXX

383472

Closed

2024-05-31 10:32

2024-06-05 14:31

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024
Open-CDA reflected a value of $XXX,XXX for a 12% variance which is outside of the 10% tolerance. 2055 required. - Due Diligence Vendor-05/31/2024
Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/31/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1765937

N/A

XXXXXX

455631

Closed

2024-05-14 12:05

2024-06-04 15:18

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1683687

N/A

XXXXXX

455631

Closed

2024-06-04 13:50

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1784302

Investor Post-Close

XXXXXX

283161

Closed

2024-05-21 15:46

2024-06-03 10:32

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/21/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Purchase

1717787

N/A

XXXXXX

283161

Closed

2024-06-03 09:10

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Purchase

1775237

Investor Post-Close

XXXXXX

381091

Closed

2024-05-15 13:55

2024-06-07 17:11

Acknowledged

2 - Non-Material

Compliance

Right to Rescind

TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions)

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-06/07/2024
Open-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) This finding is non-material and will be rated a B for all agencies. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Cash Out - Debt Consolidation

1689218

Investor Post-Close

XXXXXX

164403

Closed

2024-05-16 11:58

2024-06-06 15:09

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/06/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1693392

N/A

XXXXXX

164403

Closed

2024-06-06 15:06

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/06/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1797220

Investor Post-Close

XXXXXX

164403

Closed

2024-05-16 10:52

2024-05-22 13:43

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Client provided updated HOI policy to reflect dwelling coverage of $XXX,XXX.XX.  Condition cleared.   - Due Diligence Vendor-05/22/2024
Resolved-Hazard Insurance Coverage Amount of $XXX,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-05/22/2024
Ready for Review-Document Uploaded. Since this file had a PIW and we are not able to accurately assess the value of the land, we agree that the loan closed with a Hazard shortfall, but it was corrected shortly afterwards.  This refinance closed XX/XX/XXXX, and the existing policy renewed three months later.  At that time, the dwelling coverage was increased to $XXX,XXX.  Please see attached renewal policy with an effective date of XX/XX/XXXX.  - Seller-05/22/2024
Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX The hazard insurance policy in file reflected dwelling coverage of $XXX,XXX with no replacement coverage listed.  The loan amount is $XXX,XXX which leaves a $X,XXX shortage of hazard insurance coverage.
- Due Diligence Vendor-05/16/2024

Ready for Review-Document Uploaded. Since this file had a PIW and we are not able to accurately assess the value of the land, we agree that the loan closed with a Hazard shortfall, but it was corrected shortly afterwards. This refinance closed XX/XX/XXXX, and the existing policy renewed three months later. At that time, the dwelling coverage was increased to $XXX,XXX. Please see attached renewal policy with an effective date of XX/XX/XXXX. - Seller-05/22/2024

Resolved-Client provided updated HOI policy to reflect dwelling coverage of $XXX,XXX. Condition cleared. - Due Diligence Vendor-05/22/2024
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-05/22/2024

XXXXXXXXXXXX XXXXXXXXXXXX - Response for insufficient Hazard Coverage.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1692936

N/A

XXXXXX

721399

Closed

2024-05-31 14:08

2024-06-18 09:43

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/18/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/18/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/31/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/18/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/18/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1767968

N/A

XXXXXX

721399

Closed

2024-06-18 09:40

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/18/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1848130

Investor Post-Close

XXXXXX

761126

Closed

2024-05-21 15:44

2024-06-07 15:20

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

Open-Document Uploaded. - Due Diligence Vendor-06/07/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/21/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1717765

N/A

XXXXXX

761126

Closed

2024-06-07 15:17

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1803193

Investor Post-Close

XXXXXX

752520

Closed

2024-05-20 01:39

2024-06-05 10:04

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Post incident inspection provided - Due Diligence Vendor-06/05/2024

Open-Document Uploaded. - Due Diligence Vendor-06/05/2024

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-05/20/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1705505

N/A

XXXXXX

752520

Closed

2024-05-20 01:37

2024-05-31 10:51

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. Received CDA. Condition cleared. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/20/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1705489

N/A

XXXXXX

662741

Closed

2024-06-03 11:29

2024-09-25 08:34

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided COC for appraisal increase. Condition cleared. - Due Diligence Vendor-09/25/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024
Ready for Review-Document Uploaded. Please see attached COC and revised LE issued for the change in appraisal fee. - Seller-06/04/2024
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects a Appraisal of ($XX. Initial CD dated XX/XX/XXXX reflects Appraisal of $XXX.The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/03/2024

Ready for Review-Document Uploaded. Please see attached COC and revised LE issued for the change in appraisal fee. - Seller-06/04/2024

Resolved-Client provided COC for appraisal increase. Condition cleared. - Due Diligence Vendor-09/25/2024

Resolved-Resolved - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX XXXXXXXXXXXX - XX/XX/XXXX COC for Appraisal Fee.pdf
XXXXXXXXXXXX XXXXXXXXXXXX - XX/XX/XXXX Revised LE for Appraisal Fee.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1776452

N/A

XXXXXX

662741

Closed

2024-06-03 11:29

2024-06-05 08:46

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided COC for appraisal increase. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024
Ready for Review-Please see conditions submitted for COC condition - Seller-06/04/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The revised LE is dated XX/XX/XXXX, which was outside of the required timely disclosure requirement. No Cure.

The Appraisal Fee increased on the revised LE dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-06/03/2024

Ready for Review-Please see conditions submitted for COC condition - Seller-06/04/2024

Resolved-Client provided COC for appraisal increase. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-Resolved - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1776453

N/A

XXXXXX

309374

Closed

2024-05-20 08:11

2024-06-04 15:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1706516

N/A

XXXXXX

309374

Closed

2024-06-04 09:40

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1781836

Investor Post-Close

XXXXXX

895055

Closed

2024-05-19 10:20

2024-06-10 10:03

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/10/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1704520

N/A

XXXXXX

895055

Closed

2024-06-10 10:00

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/10/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1809553

Investor Post-Close

XXXXXX

175663

Closed

2024-05-20 08:49

2024-06-05 13:11

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1706766

N/A

XXXXXX

175663

Closed

2024-06-04 11:06

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1782528

Investor Post-Close

XXXXXX

175663

Closed

2024-05-20 15:02

2024-05-29 05:44

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX. - Seller-05/24/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/20/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX. - Seller-05/24/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024

XXXXXXXXXXXX XXXXXXXXXXXX - Disclosure Tracking Info.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1710323

N/A

XXXXXX

131007

Closed

2024-05-20 11:07

2024-06-03 08:12

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/20/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1708416

N/A

XXXXXX

131007

Closed

2024-06-03 08:11

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P and graded A for all other agencies. - Due Diligence Vendor-06/03/2024

Primary Residence

Purchase

1774732

Investor Post-Close

XXXXXX

131007

Closed

2024-05-21 05:34

2024-05-23 07:28

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking information showing the borrower accepted EConsent on XX/XX/XXXX. - Seller-05/22/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/21/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking information showing the borrower accepted EConsent on XX/XX/XXXX. - Seller-05/22/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024

XXXXXXXXXXXX XXXXXX Disclosure Tracking Information.pdf

Primary Residence

Purchase

1712619

N/A

XXXXXX

126905

Closed

2024-05-23 07:52

2024-06-03 10:33

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1726139

N/A

XXXXXX

126905

Closed

2024-06-03 09:20

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1775319

Investor Post-Close

XXXXXX

870289

Closed

2024-05-20 08:12

2024-06-11 13:50

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/11/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. PIW - Due Diligence Vendor-05/20/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/11/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1706518

N/A

XXXXXX

870289

Closed

2024-06-11 13:47

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/11/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1817299

Investor Post-Close

XXXXXX

870289

Closed

2024-05-20 06:58

2024-05-29 06:00

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024

Ready for Review-Document Uploaded. See attached. Because they are on separate 1003s, it is not populating the date, so I uploaded the actual eConsent form. It is two pages--one page for each borrower, and shows when they accepted it. Also, pages 2 and 4 of the Disclosure Tracking Info also show when each borrower accepted it. - Seller-05/28/2024

Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/20/2024

Ready for Review-Document Uploaded. See attached. Because they are on separate 1003s, it is not populating the date, so I uploaded the actual eConsent form. It is two pages--one page for each borrower, and shows when they accepted it. Also, pages 2 and 4 of the Disclosure Tracking Info also show when each borrower accepted it. - Seller-05/28/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024

XXXXXXXXXXXX XXXXXX - eConsent acceptance Confirmation.pdf
XXXXXXXXXXXX XXXXXX - Disclosure Tracking Information.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1706145

N/A

XXXXXX

927639

Closed

2024-05-20 05:57

2024-06-04 15:14

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1706002

N/A

XXXXXX

927639

Closed

2024-06-04 14:00

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1784356

Investor Post-Close

XXXXXX

927639

Closed

2024-05-20 03:59

2024-05-29 06:03

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX - Seller-05/24/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/20/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX - Seller-05/24/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024

XXXXXXXXXXXX XXXXX - Disclosure Tracking Info.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1705745

N/A

XXXXXX

723735

Closed

2024-05-20 09:09

2024-06-04 15:20

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved- - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

Resolved-Condition reissued under Missing Post Close Valuation 1. This condition is rescinded. - Due Diligence Vendor-05/23/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. DU required an appraisal based on an interior and exterior property inspection on Form 1004. The loan file contains only an Exterior Only Inspection on form 2055. - Due Diligence Vendor-05/20/2024

Primary Residence

Purchase

1706885

N/A

XXXXXX

723735

Closed

2024-05-23 14:13

2024-06-04 15:19

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Received CDA. Condition cleared. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/23/2024

Primary Residence

Purchase

1729750

N/A

XXXXXX

723735

Closed

2024-05-20 08:12

2024-05-23 07:06

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Client provided evidence of Initial CD was received on XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/23/2024
Resolved-Resolved - Due Diligence Vendor-05/23/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information. The initial CD was issued electronically on XX/XX/XXXX and viewed the signed the same day. (See page 5) eSigned CD is also attached. - Seller-05/22/2024
Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/20/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information. The initial CD was issued electronically on XX/XX/XXXX and viewed the signed the same day. (See page 5) eSigned CD is also attached. - Seller-05/22/2024

Resolved-Client provided evidence of Initial CD was received on XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/23/2024
Resolved-Resolved - Due Diligence Vendor-05/23/2024

XXXXXXXXXXXX XXXXX Disclosure Tracking Information.pdf
XXXXXXXXXXXX XXXXX Signed Initial CD.pdf

Primary Residence

Purchase

1706517

N/A

XXXXXX

723735

Closed

2024-05-20 09:10

2024-05-23 07:00

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing Econsent was provided on XX/XX/XXXX - Seller-05/22/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/20/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing Econsent was provided on XX/XX/XXXX - Seller-05/22/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024

XXXXXXXXXXXX XXXXX Disclosure Tracking Information.pdf

Primary Residence

Purchase

1706889

N/A

XXXXXX

374007

Closed

2024-05-23 14:30

2024-06-04 15:22

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1729868

N/A

XXXXXX

219582

Closed

2024-05-20 07:48

2024-05-24 07:08

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained on XX/XX/XXXX. - Seller-05/23/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/20/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained on XX/XX/XXXX. - Seller-05/23/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024

XXXXXXXXXXXX XXXXX - Disclosure Tracking Information.pdf

Primary Residence

Refinance

Cash Out - Other

1706376

N/A

XXXXXX

504502

Closed

2024-05-21 05:31

2024-05-24 06:19

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained on XX/XX/XXXX. - Seller-05/23/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024

XXXXXXXXXXXX XXXXXX - Disclosure Tracking Information.pdf

Primary Residence

Refinance

Cash Out - Other

1712609

N/A

XXXXXX

961511

Closed

2024-09-25 15:03

2024-09-25 15:04

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001258)

Resolved-Resolved - Due Diligence Vendor-09/25/2024
Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-09/25/2024

Resolved-Resolved - Due Diligence Vendor-09/25/2024

Primary Residence

Refinance

Cash Out - Other

2456800

N/A

XXXXXX

961511

Closed

2024-09-25 15:03

2024-09-25 15:04

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001257)

Resolved-Resolved - Due Diligence Vendor-09/25/2024
Open-The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-09/25/2024

Resolved-Resolved - Due Diligence Vendor-09/25/2024

Primary Residence

Refinance

Cash Out - Other

2456801

N/A

XXXXXX

961511

Closed

2024-05-21 09:24

2024-06-20 17:37

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/20/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/20/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. PIW - Due Diligence Vendor-05/21/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/20/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/20/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1713713

N/A

XXXXXX

961511

Closed

2024-06-20 17:30

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/20/2024

Primary Residence

Refinance

Cash Out - Other

1863311

Investor Post-Close

XXXXXX

458068

Closed

2024-05-20 11:28

2024-06-04 15:16

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1708550

N/A

XXXXXX

458068

Closed

2024-06-04 14:05

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1784383

Investor Post-Close

XXXXXX

948251

Closed

2024-05-20 11:51

2024-06-07 17:14

Acknowledged

2 - Non-Material

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024
Open-. - Due Diligence Vendor-05/25/2024
Open-The disclosed Total of Payments ($XXX,XXX.XX) is understated by more than $XX when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XXX.XX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XX. (12 CFR 1026.23(h)(2)(ii)) This is a rescindable transaction; therefore, rescission is required to be re-opened. Provide newly executed NORTC. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/20/2024

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1708766

Investor Post-Close

XXXXXX

948251

Closed

2024-05-20 11:51

2024-06-07 17:13

Acknowledged

2 - Non-Material

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Disclosure Tolerance

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024
Open-. - Due Diligence Vendor-05/25/2024
Open-The disclosed Total of Payments ($XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($XXX,XXX.XX). The difference is ($XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/20/2024

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1708765

Investor Post-Close

XXXXXX

948251

Closed

2024-05-23 15:22

2024-06-07 17:13

Acknowledged

2 - Non-Material

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024
Open-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/25/2024
Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-05/23/2024

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1730336

Investor Post-Close

XXXXXX

948251

Closed

2024-05-20 11:28

2024-06-05 10:22

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1708551

N/A

XXXXXX

948251

Closed

2024-06-05 10:20

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1788919

Investor Post-Close

XXXXXX

948251

Closed

2024-05-20 14:12

2024-05-29 06:06

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained on XX/XX/XXXX - Seller-05/28/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/20/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained on XX/XX/XXXX - Seller-05/28/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024

XXXXXXXXXXXX XXXXXX - Disclosure Tracking Information.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1709928

N/A

XXXXXX

935319

Closed

2024-05-20 09:58

2024-06-04 15:24

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1707198

N/A

XXXXXX

935319

Closed

2024-06-04 11:12

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Cash Out - Other

1782556

Investor Post-Close

XXXXXX

935319

Closed

2024-05-20 10:09

2024-05-23 10:42

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Client provided Initial CD which was e-signed on 03/12/2021. Condition cleared. - Due Diligence Vendor-05/23/2024
Resolved- - Due Diligence Vendor-05/23/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking information showing the CD was sent electronically on XX/XX/XXXX and esigned the same day. Also attached it the signed CD. Sorry--it had not been assigned a placeholder name yet so it wasn't included in the download. - Seller-05/23/2024
Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. This finding is outside the statute of limitations and will be rated a B for all agencies.
- Due Diligence Vendor-05/20/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking information showing the CD was sent electronically on XX/XX/XXXX and esigned the same day. Also attached it the signed CD. Sorry--it had not been assigned a placeholder name yet so it wasn't included in the download. - Seller-05/23/2024

Resolved-Client provided Initial CD which was e-signed on XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/23/2024
Resolved- - Due Diligence Vendor-05/23/2024

XXXXXXXXXXXX XXXXXXXX - Disclosure Tracking Information.pdf
XXXXXXXXXXXX XXXXXXXX - Signed Initial CD.pdf

Primary Residence

Refinance

Cash Out - Other

1707279

N/A

XXXXXX

935319

Closed

2024-05-21 01:53

2024-05-23 10:32

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing the borrower gave eConsent on XX/XX/XXXX. - Seller-05/23/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/21/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing the borrower gave eConsent on XX/XX/XXXX. - Seller-05/23/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024

XXXXXXXXXXXX XXXXXXXX - Disclosure Tracking Information.pdf

Primary Residence

Refinance

Cash Out - Other

1712251

N/A

XXXXXX

774991

Closed

2024-05-22 09:52

2024-06-07 15:17

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

Resolved- - Due Diligence Vendor-06/07/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/05/2024

Open- - Due Diligence Vendor-05/26/2024

Open- - Due Diligence Vendor-05/26/2024

Open- - Due Diligence Vendor-05/26/2024

Resolved- - Due Diligence Vendor-05/24/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. PIW - Due Diligence Vendor-05/22/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1720787

N/A

XXXXXX

774991

Closed

2024-06-07 15:14

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1803162

Investor Post-Close

XXXXXX

774991

Closed

2024-05-21 07:22

2024-05-24 06:22

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing that eConsent was obtained on XX/XX/XXXX. - Seller-05/23/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/21/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing that eConsent was obtained on XX/XX/XXXX. - Seller-05/23/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024

XXXXXXXXXXXX XXXXX - Disclosure Tracking Information.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1712940

N/A

XXXXXX

806123

Closed

2024-05-31 01:20

2024-06-04 15:20

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1763401

N/A

XXXXXX

806123

Closed

2024-06-04 14:15

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1784450

Investor Post-Close

XXXXXX

806123

Closed

2024-05-31 01:44

2024-06-03 07:05

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Client provided Initial CD which was e-signed on XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-06/03/2024
Resolved-Resolved - Due Diligence Vendor-06/03/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information. It was edisclosed and esigned on XX/XX/XXXX. - Seller-05/31/2024
Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 03/10/2021. No Cure. - Due Diligence Vendor-05/31/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information. It was edisclosed and esigned on XX/XX/XXXX. - Seller-05/31/2024

Resolved-Client provided Initial CD which was e-signed on XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-06/03/2024
Resolved-Resolved - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX XXXX - eSigned Initial CD.pdf
XXXXXXXXXXXX XXXX - Disclosure Tracking Information.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1763439

N/A

XXXXXX

806123

Closed

2024-05-31 02:15

2024-06-03 07:04

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-06/03/2024
Ready for Review-Document Uploaded. Please see attached form - borrower provided consent on XX/XX/XXXX - Seller-05/31/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/31/2024

Ready for Review-Document Uploaded. Please see attached form - borrower provided consent on XX/XX/XXXX - Seller-05/31/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX XXXX - eConsent.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1763503

N/A

XXXXXX

177415

Closed

2024-09-25 15:07

2025-11-03 10:11

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Finding not valid. Condition rescinded. - Due Diligence Vendor-11/03/2025

Resolved- - Due Diligence Vendor-09/25/2024

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Signing Agent Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-09/25/2024

Resolved-Finding not valid. Condition rescinded. - Due Diligence Vendor-11/03/2025

Resolved- - Due Diligence Vendor-09/25/2024

Primary Residence

Refinance

Cash Out - Other

2456855

N/A

XXXXXX

762576

Closed

2024-06-01 07:34

2024-06-07 16:57

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1770449

N/A

XXXXXX

762576

Closed

2024-06-04 10:14

2024-06-06 08:29

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided explanation that the COC date was incorrect and provided rate lock to support the correct date. Condition cleared. - Due Diligence Vendor-06/06/2024
Resolved- - Due Diligence Vendor-06/06/2024
Ready for Review-See docs submitted for other item. - Seller-06/05/2024
Counter-Client provided another copy of the COC dated XX/XX/XXXX and the LE dated XX/XX/XXXX which were in the loan file. LE was not provided within 3 days of the COC resulting in a tolerance violation of $X.XX for fees with zero tolerance. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. This finding is outside of the statue of limitations and will be rate a B for all agencies. - Due Diligence Vendor-06/05/2024
Ready for Review-Document Uploaded. Please see attached redisclosure and COC. - Seller-06/04/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The LE dated XX/XX/XXXX reflects Discount Points fee of $XXX, whereas the LE dated XX/XX/XXXX reflects $XXX.XX with an invalid COC dated XX/XX/XXXX. LE was not provided within 3 days of the COC resulting in a tolerance violation of $X.XX for fees with zero tolerance. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-06/04/2024

Ready for Review-See docs submitted for other item. - Seller-06/05/2024

Ready for Review-Document Uploaded. Please see attached redisclosure and COC. - Seller-06/04/2024

XXXXXXXXXXXX XXXXXX - Redisclosure.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1782165

N/A

XXXXXX

762576

Closed

2024-06-04 10:14

2024-06-06 08:29

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided explanation that the COC date was incorrect and provided rate lock to support the correct date. Condition cleared. - Due Diligence Vendor-06/06/2024
Resolved- - Due Diligence Vendor-06/06/2024
Ready for Review-Document Uploaded. The "date of change" was incorrect on the COC that was issued with the disclosure. See attached lock confirmation and lock activity showing it was done on 2/12. - Seller-06/05/2024
Counter-Client provided another copy of the COC dated XX/XX/XXXX and the LE dated XX/XX/XXXX which were in the loan file. LE was not provided within 3 days of the COC resulting in a tolerance violation of $X.XX for fees with zero tolerance. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. This finding is outside of the statue of limitations and will be rate a B for all agencies. - Due Diligence Vendor-06/05/2024
Ready for Review-Please see docs submitted for other condition. - Seller-06/04/2024
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The LE dated XX/XX/XXXX reflects Discount Points fee of $XXX, whereas the LE dated XX/XX/XXXX reflects $XXX.XX with an invalid COC dated XX/XX/XXXX. LE was not provided within 3 days of the COC resulting in a tolerance violation of $X.XX for fees with zero tolerance. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-06/04/2024

Ready for Review-Document Uploaded. The "date of change" was incorrect on the COC that was issued with the disclosure. See attached lock confirmation and lock activity showing it was done on XX/XX/XXXX. - Seller-06/05/2024
Ready for Review-Please see docs submitted for other condition. - Seller-06/04/2024

XXXXXXXXXXXX XXXXXX - Lock Activity.pdf
XXXXXXXXXXXX XXXXXX - Lock Confirmation.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1782164

N/A

XXXXXX

581377

Closed

2024-05-31 00:39

2024-06-14 10:15

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/14/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/14/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1763334

N/A

XXXXXX

581377

Closed

2024-06-14 10:12

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/14/2024

Primary Residence

Refinance

Cash Out - Other

1833873

Investor Post-Close

XXXXXX

995940

Closed

2024-05-31 06:24

2024-06-05 14:58

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-2055 obtained. No damage noted. - Due Diligence Vendor-06/05/2024

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-05/31/2024

Resolved-2055 obtained. No damage noted. - Due Diligence Vendor-06/05/2024

Primary Residence

Purchase

1763932

N/A

XXXXXX

995940

Closed

2024-05-31 06:21

2024-06-04 15:22

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Purchase

1763926

N/A

XXXXXX

995940

Closed

2024-06-04 14:19

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Purchase

1784514

Investor Post-Close

XXXXXX

887544

Closed

2024-09-25 15:12

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001258)

Resolved-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee, Electronic Document Delivery Fee, Reconveyance Fee, Signing Agent Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Resolved - Due Diligence Vendor-09/25/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

2456891

N/A

XXXXXX

887544

Closed

2024-09-25 15:12

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001257)

Resolved-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee, Electronic Document Delivery Fee, Reconveyance Fee, Signing Agent Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Resolved - Due Diligence Vendor-09/25/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

2456892

N/A

XXXXXX

887544

Closed

2024-05-31 06:10

2024-06-03 10:33

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1763900

N/A

XXXXXX

887544

Closed

2024-06-03 09:25

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1775381

Investor Post-Close

XXXXXX

809137

Closed

2024-05-31 13:14

2024-06-04 13:37

Resolved

1 - Information

Credit

Borrower

Fraud alert is present on the credit report

Resolved-Client provided evidence the Fraud Alert was addressed and verification of identity.  Condition cleared.   - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. Loan officer obtained a copy of the borrower's identification, which is stored in a restricted part of the file since we are not allowed to keep copies of borrower identification within the file.  I am attaching a screenshot of it.  Additionally, there is a conversation log noting the borrower was contacted at the number indicated, which is also the phone number listed on the borrower's loan application. - Seller-06/03/2024
Open-The credit report dated XX/XX/XXXX reflects a fraud alert. No documentation provided in file to clear fraud alert.  - Due Diligence Vendor-05/31/2024

Ready for Review-Document Uploaded. Loan officer obtained a copy of the borrower's identification, which is stored in a restricted part of the file since we are not allowed to keep copies of borrower identification within the file. I am attaching a screenshot of it. Additionally, there is a conversation log noting the borrower was contacted at the number indicated, which is also the phone number listed on the borrower's loan application. - Seller-06/03/2024

Resolved-Client provided evidence the Fraud Alert was addressed and verification of identity. Condition cleared. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX XXXXXX - confirmation of obtaining borrower identification.pdf
XXXXXXXXXXXX XXXXXX - confirmation of contacting borrower at number indicated.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1767417

N/A

XXXXXX

809137

Closed

2024-05-31 07:14

2024-06-03 10:34

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1764141

N/A

XXXXXX

809137

Closed

2024-06-03 09:41

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1775495

Investor Post-Close

XXXXXX

302563

Closed

2024-05-31 04:25

2024-06-07 15:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1763698

N/A

XXXXXX

302563

Closed

2024-06-07 15:20

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1803213

Investor Post-Close

XXXXXX

899313

Closed

2024-05-31 09:06

2024-06-11 07:38

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/11/2024

Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/31/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1764995

N/A

XXXXXX

899313

Closed

2024-06-05 10:56

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1789255

Investor Post-Close

XXXXXX

591756

Closed

2024-05-31 06:35

2024-06-13 16:27

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/13/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/13/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/31/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/13/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/13/2024

ClientReport.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1763964

N/A

XXXXXX

591756

Closed

2024-06-13 11:39

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/13/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1828915

Investor Post-Close

XXXXXX

840221

Closed

2024-05-31 07:41

2024-06-14 10:31

Resolved

1 - Information

Compliance

Right to Rescind

TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions)

Resolved-H8 Model is correct as the underlying mtg was a different lender. Condition Resolved. - Due Diligence Vendor-06/14/2024
Acknowledged-Acknowledged by Client. - Due Diligence Vendor-06/07/2024
Open-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) B-exception grade for circuits in which there is no ruling. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Cash Out - Other

1764332

N/A

XXXXXX

840221

Closed

2024-05-31 10:23

2024-06-04 13:32

Resolved

1 - Information

Compliance

Disclosure

Taxpayer Consent Form Missing

Resolved-Client provided Taxpayer Consent. Condition cleared. - Due Diligence Vendor-06/04/2024

Ready for Review-Document Uploaded. Please see attached doc. - Seller-06/03/2024

Open-Post December 28, 2019, the required Taxpayer Consent Form is missing from the file. - Due Diligence Vendor-05/31/2024

Ready for Review-Document Uploaded. Please see attached doc. - Seller-06/03/2024

Resolved-Client provided Taxpayer Consent. Condition cleared. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX XXXXX - Consent Doc.pdf

Primary Residence

Refinance

Cash Out - Other

1765835

N/A

XXXXXX

595179

Closed

2024-06-01 14:01

2024-06-04 13:30

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024
Resolved- - Due Diligence Vendor-06/04/2024
Ready for Review-Please see docs attached to COC condition - Seller-06/03/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Initial Loan Estimate reflects a Discount Pints Fee of $XXX. The Post-Closing CD reflects a Discount Points Fee of $X,XXX.XX. The loan file did not contain a valid COC to support the increase.] No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/01/2024

Ready for Review-Please see docs attached to COC condition - Seller-06/03/2024

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024

Resolved- - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1771385

N/A

XXXXXX

595179

Closed

2024-06-01 14:01

2024-06-04 13:30

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024
Resolved- - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. Please see attached lock confirmation, COC and revised CD. - Seller-06/03/2024
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Initial Loan Estimate reflects a Discount Pints Fee of $XXX. The Post-Closing CD reflects a Discount Points Fee of $X,XXX.XX. The loan file did not contain a valid COC to support the increase.] No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/01/2024

Ready for Review-Document Uploaded. Please see attached lock confirmation, COC and revised CD. - Seller-06/03/2024

Resolved-Client provided rate lock and COC. Condition cleared. - Due Diligence Vendor-06/04/2024

Resolved- - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX XXXXXXXXXX - XX/XX/XXXX COC.pdf
XXXXXXXXXXXX XXXXXXXXXX - XX/XX/XXXX Lock Confirmation.pdf
XXXXXXXXXXXX XXXXXXXXXX - XX/XX/XXXX Revised CD.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1771384

N/A

XXXXXX

394063

Closed

2024-06-03 00:49

2024-06-11 15:39

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-2055 obtained. No damage noted. - Due Diligence Vendor-06/11/2024

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-06/03/2024

Resolved-2055 obtained. No damage noted. - Due Diligence Vendor-06/11/2024

Primary Residence

Refinance

Cash Out - Other

1773465

N/A

XXXXXX

394063

Closed

2024-06-03 00:40

2024-06-04 15:21

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1773456

N/A

XXXXXX

394063

Closed

2024-06-04 14:28

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Cash Out - Other

1784610

Investor Post-Close

XXXXXX

133304

Closed

2024-06-02 00:23

2024-06-04 15:28

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1771985

N/A

XXXXXX

491859

Closed

2024-06-03 02:27

2024-06-11 17:08

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/11/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/11/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/03/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/11/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/11/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1773647

N/A

XXXXXX

491859

Closed

2024-06-11 17:01

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/11/2024

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1818542

Investor Post-Close

XXXXXX

794500

Closed

2024-06-01 14:45

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Finding graded B for S&P and graded A for all other agencies. - Due Diligence Vendor-06/01/2024

Primary Residence

Purchase

1771481

Investor Post-Close

XXXXXX

270579

Closed

2024-05-29 05:59

2024-06-03 08:22

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1750002

N/A

XXXXXX

270579

Closed

2024-06-03 08:15

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-06/03/2024

Primary Residence

Purchase

1774753

Investor Post-Close

XXXXXX

247264

Closed

2024-05-21 18:48

2024-06-04 15:30

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1718702

N/A

XXXXXX

121521

Closed

2024-05-21 05:34

2024-06-04 15:26

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1712620

N/A

XXXXXX

121521

Closed

2024-06-04 11:23

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1782660

Investor Post-Close

XXXXXX

163557

Closed

2024-05-20 13:12

2024-06-04 15:16

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1709492

N/A

XXXXXX

163557

Closed

2024-06-04 14:31

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1784633

Investor Post-Close

XXXXXX

648098

Closed

2024-05-22 14:18

2024-06-03 10:36

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Purchase

1723352

N/A

XXXXXX

648098

Closed

2024-06-03 10:00

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Purchase

1775636

Investor Post-Close

XXXXXX

938635

Closed

2024-05-20 13:20

2024-06-06 15:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/06/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1709540

N/A

XXXXXX

938635

Closed

2024-06-06 15:18

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/06/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1797284

Investor Post-Close

XXXXXX

895418

Closed

2024-05-20 14:12

2024-05-31 11:09

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/20/2024

Resolved-Document Uploaded. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1709930

N/A

XXXXXX

895418

Closed

2024-05-31 11:01

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Cash Out - Other

1766222

Investor Post-Close

XXXXXX

194800

Closed

2024-05-20 13:57

2024-06-04 15:17

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1709825

N/A

XXXXXX

194800

Closed

2024-06-04 14:36

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1784670

Investor Post-Close

XXXXXX

358119

Closed

2024-05-31 10:22

2024-06-07 15:24

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

Open-Document Uploaded. - Due Diligence Vendor-06/07/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1765821

N/A

XXXXXX

358119

Closed

2024-06-07 15:21

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Cash Out - Other

1803228

Investor Post-Close

XXXXXX

109697

Closed

2024-05-31 11:18

2024-06-06 09:14

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/06/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/06/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1766364

N/A

XXXXXX

109697

Closed

2024-06-03 15:01

2024-06-06 09:09

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged- - Due Diligence Vendor-06/06/2024

Rescinded- - Due Diligence Vendor-06/03/2024

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1778237

Investor Post-Close

XXXXXX

787350

Closed

2024-06-02 11:47

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/02/2024

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

1772592

Investor Post-Close

XXXXXX

787350

Closed

2024-06-02 00:18

2024-06-02 11:46

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/02/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/02/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/02/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

1771977

N/A

XXXXXX

203274

Closed

2024-05-31 14:52

2024-06-02 11:42

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/02/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/02/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. PIW - Due Diligence Vendor-05/31/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/02/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/02/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1768372

N/A

XXXXXX

203274

Closed

2024-06-02 11:41

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/02/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1772584

Investor Post-Close

XXXXXX

771289

Closed

2024-05-21 07:11

2024-05-23 06:46

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information indicating eConsent was obtained on 2/16/2021. - Seller-05/22/2024

Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/21/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information indicating eConsent was obtained on XX/XX/XXXX. - Seller-05/22/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024

XXXXXXXXXXXX XXXXXXXXX Disclosure Tracking Information.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1712898

N/A

XXXXXX

423452

Closed

2024-05-21 07:49

2024-06-03 08:27

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1713042

N/A

XXXXXX

423452

Closed

2024-06-03 08:25

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P and graded A for all other agencies. - Due Diligence Vendor-06/03/2024

Primary Residence

Purchase

1774866

Investor Post-Close

XXXXXX

423452

Closed

2024-05-22 11:38

2024-05-24 07:20

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024
Resolved-Resolved - Due Diligence Vendor-05/24/2024
Ready for Review-Document Uploaded. Please see Disclosure Tracking Information submitted (for eConsent condition) showing the Initial CD was sent electronically on XX/XX/XXXX and the borrower viewed and esigned it on the same day. The signed CD had not been assigned a placeholder name yet, so it was not included in the loan file - it is attached. - Seller-05/23/2024
Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2021-03-08). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/22/2024

Ready for Review-Document Uploaded. Please see Disclosure Tracking Information submitted (for eConsent condition) showing the Initial CD was sent electronically on 3/4 and the borrower viewed and esigned it on the same day. The signed CD had not been assigned a placeholder name yet, so it was not included in the loan file - it is attached. - Seller-05/23/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024

Resolved-Resolved - Due Diligence Vendor-05/24/2024

XXXXXXXXXXXX XXXXXXXX - Signed Initial Cd.pdf

Primary Residence

Purchase

1722044

N/A

XXXXXX

423452

Closed

2024-05-21 09:44

2024-05-24 07:19

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing the borrower provided eConsent on XX/XX/XXXX. - Seller-05/23/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/21/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing the borrower provided eConsent on XX/XX/XXXX. - Seller-05/23/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024

XXXXXXXXXXXX XXXXXXXXX - Disclosure Tracking Information.pdf

Primary Residence

Purchase

1713852

N/A

XXXXXX

422123

Closed

2024-05-30 09:26

2024-05-31 11:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/30/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Purchase

1757878

N/A

XXXXXX

422123

Closed

2024-05-31 11:16

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-05/31/2024

Primary Residence

Purchase

1766357

Investor Post-Close

XXXXXX

579790

Closed

2024-05-21 09:33

2024-05-31 11:29

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/21/2024

Resolved-Document Uploaded. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1713791

N/A

XXXXXX

579790

Closed

2024-05-31 11:24

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1766399

Investor Post-Close

XXXXXX

579790

Closed

2024-05-21 10:06

2024-05-29 06:13

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX - Seller-05/24/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/21/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX - Seller-05/24/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024

XXXXXXXXXXXX XXXXXXXX - Disclosure Tracking Information.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1714041

N/A

XXXXXX

216797

Closed

2024-05-21 04:48

2024-05-31 11:46

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1712519

N/A

XXXXXX

216797

Closed

2024-05-21 04:51

2024-05-31 11:44

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Post incident inspection provided - Due Diligence Vendor-05/31/2024

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-05/21/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1712521

N/A

XXXXXX

216797

Closed

2024-05-31 11:33

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1766460

Investor Post-Close

XXXXXX

661325

Closed

2024-05-21 05:00

2024-06-07 15:31

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

Open-Document Uploaded. - Due Diligence Vendor-06/07/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/21/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1712533

N/A

XXXXXX

661325

Closed

2024-06-07 15:27

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1803286

Investor Post-Close

XXXXXX

661325

Closed

2024-05-21 05:32

2024-05-23 06:57

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing the borrowers provided eConsent on XX/XX/XXXX. - Seller-05/22/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/21/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing the borrowers provided eConsent on XX/XX/XXXX. - Seller-05/22/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024

XXXXXXXXXXXX XXXX Disclosure Tracking Information.pdf

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1712610

N/A

XXXXXX

742519

Closed

2024-05-22 13:06

2024-05-24 06:56

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024
Resolved-Resolved - Due Diligence Vendor-05/24/2024
Ready for Review-Please see page 4 of Disclosure Tracking Information (submitted for eConsent condition) showing that it sent electronically and viewed and signed on XX/XX/XXXX. - Seller-05/23/2024
Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of XX/XX/XXXX. eSignature on initial CD is null and void due to the missing eConsent form. Therefore, the Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/22/2024

Ready for Review-Please see page 4 of Disclosure Tracking Information (submitted for eConsent condition) showing that it sent electronically and viewed and signed on XX/XX/XXXX. - Seller-05/23/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024

Resolved-Resolved - Due Diligence Vendor-05/24/2024

Primary Residence

Purchase

1722791

N/A

XXXXXX

742519

Closed

2024-05-21 08:46

2024-05-24 06:49

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained on XX/XX/XXXX. - Seller-05/23/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024

XXXXXXXXXXXX XXXXX - Disclosure Tracking Information.pdf

E-Consent documentation on TRID loan is missing for borrower(s)

Primary Residence

Purchase

1713445

N/A

XXXXXX

798532

Closed

2024-05-21 07:13

2024-06-04 16:52

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

Open-Document Uploaded. - Due Diligence Vendor-06/04/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/21/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1712900

N/A

XXXXXX

798532

Closed

2024-06-04 16:49

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1785658

Investor Post-Close

XXXXXX

225460

Closed

2024-05-21 07:52

2024-06-07 15:28

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1713061

N/A

XXXXXX

225460

Closed

2024-06-07 15:25

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Cash Out - Other

1803271

Investor Post-Close

XXXXXX

405224

Closed

2024-05-21 09:50

2024-06-05 09:27

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. PIW - Due Diligence Vendor-05/21/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1713896

N/A

XXXXXX

405224

Closed

2024-06-05 09:23

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1788230

Investor Post-Close

XXXXXX

405224

Closed

2024-05-22 12:45

2024-05-24 06:40

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024
Ready for Review-Document Uploaded. See attached Disclosure Tracking Information showing the eConsent was obtained on XX/XX/XXXX - Seller-05/23/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/22/2024

Ready for Review-Document Uploaded. See attached Disclosure Tracking Information showing the eConsent was obtained on XX/XX/XXXX - Seller-05/23/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024

XXXXXXXXXXXX XXXXXX - Disclosure Tracking Information.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1722622

N/A

XXXXXX

768367

Closed

2024-05-23 14:31

2024-06-04 15:33

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1729877

N/A

XXXXXX

768367

Closed

2024-05-22 09:07

2024-05-29 06:49

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX - Seller-05/24/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/22/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX - Seller-05/24/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024

XXXXXXXXXXXX XXXXX - Disclosure Tracking Info.pdf

Primary Residence

Purchase

1720337

N/A

XXXXXX

115321

Closed

2024-05-21 11:31

2024-06-10 10:08

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/10/2024

XXXXXXXXXXXX-2055.pdf

Second Home

Purchase

1715712

N/A

XXXXXX

115321

Closed

2024-06-10 10:05

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/10/2024

Second Home

Purchase

1809594

Investor Post-Close

XXXXXX

115321

Closed

2024-05-21 12:28

2024-05-23 07:23

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing the borrower provided eConsent on XX/XX/XXXX. - Seller-05/22/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/21/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing the borrower provided eConsent on XX/XX/XXXX. - Seller-05/22/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/23/2024

XXXXXXXXXXXX GXXXXXXXXX Disclosure Tracking Information.pdf

Second Home

Purchase

1716187

N/A

XXXXXX

715102

Closed

2024-05-23 11:32

2024-09-25 08:36

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-09/25/2024
Resolved- - Due Diligence Vendor-05/29/2024
Ready for Review-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX - Seller-05/24/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/23/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX - Seller-05/24/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-09/25/2024

XXXXXXXXXXXX XXXXX - Disclosure Tracking Info.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1728324

N/A

XXXXXX

715102

Closed

2024-05-21 12:05

2024-05-31 11:52

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1716007

N/A

XXXXXX

715102

Closed

2024-05-31 11:47

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1766594

Investor Post-Close

XXXXXX

577720

Closed

2024-05-21 13:00

2024-06-04 15:24

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1716441

N/A

XXXXXX

577720

Closed

2024-06-04 11:29

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1782702

Investor Post-Close

XXXXXX

577720

Closed

2024-05-21 13:12

2024-05-29 07:12

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Client provided evidence Initial CD was received on XX/XX/XXXX.  Condition cleared.  - Due Diligence Vendor-05/29/2024
Resolved-Resolved - Due Diligence Vendor-05/29/2024
Ready for Review-Document Uploaded. Please see Disclosure Tracking info submitted for eConsent condition - it shows it was sent electronically and esigned the same day.  Attached is the signed CD. - Seller-05/24/2024
Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of XX/XX/XXXX. eSignature on initial CD is null and void due to the missing eConsent form. Therefore, the Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure.  This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/21/2024

Ready for Review-Document Uploaded. Please see Disclosure Tracking info submitted for eConsent condition - it shows it was sent electronically and esigned the same day. Attached is the signed CD. - Seller-05/24/2024

Resolved-Client provided evidence Initial CD was received on XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/29/2024
Resolved-Resolved - Due Diligence Vendor-05/29/2024

XXXXXXXXXXXX XXXXXXX - Signed Initial CD.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1716543

N/A

XXXXXX

577720

Closed

2024-05-21 13:40

2024-05-29 07:10

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX - Seller-05/24/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/21/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained XX/XX/XXXX - Seller-05/24/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/29/2024

XXXXXXXXXXXX XXXXXXXX - Disclosure Tracking Info.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1716793

N/A

XXXXXX

328500

Closed

2024-05-22 09:46

2024-05-24 07:10

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was obtained on XX/XX/XXXX. - Seller-05/23/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024

XXXXXXXXXXXX XXXXXXXX - Disclosure Tracking Information.pdf

Primary Residence

Purchase

1720744

N/A

XXXXXX

305704

Closed

2024-05-21 14:26

2024-06-11 09:15

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/11/2024

XXXXXXXXXXXXv-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1717151

N/A

XXXXXX

305704

Closed

2024-06-11 09:12

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/11/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1815005

Investor Post-Close

XXXXXX

478711

Closed

2024-05-22 00:16

2024-06-03 10:08

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/22/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1718976

N/A

XXXXXX

478711

Closed

2024-06-03 10:05

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1775691

Investor Post-Close

XXXXXX

478711

Closed

2024-05-22 00:46

2024-05-24 07:15

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024
Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was given on XX/XX/XXXX - Seller-05/23/2024
Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-05/22/2024

Ready for Review-Document Uploaded. Please see attached Disclosure Tracking Information showing eConsent was given on XX/XX/XXXX - Seller-05/23/2024

Resolved-Client provided evidence of E-Consent. Condition cleared. - Due Diligence Vendor-05/24/2024

XXXXXXXXXXXX XXXX - Disclosure Tracking Information.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1719023

N/A

XXXXXX

174052

Closed

2024-06-03 01:37

2024-06-07 15:01

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1773550

N/A

XXXXXX

174052

Closed

2024-06-07 14:59

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1803067

Investor Post-Close

XXXXXX

929744

Closed

2024-05-30 09:15

2024-06-05 10:31

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Debt Consolidation

1757786

N/A

XXXXXX

929744

Closed

2024-06-05 10:27

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Cash Out - Debt Consolidation

1788985

Investor Post-Close

XXXXXX

644043

Closed

2024-05-31 12:04

2024-06-01 14:17

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/01/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/01/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/31/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/01/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/01/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1766696

N/A

XXXXXX

644043

Closed

2024-05-31 11:53

2024-06-01 04:55

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1766637

Investor Post-Close

XXXXXX

869364

Closed

2025-04-08 12:53

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-04/08/2025

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

3809156

Investor Post-Close

XXXXXX

869364

Closed

2024-06-01 23:04

2024-06-05 09:33

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Post incident inspection provided - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1771917

N/A

XXXXXX

869364

Closed

2024-06-01 23:03

2024-06-05 09:32

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1771912

N/A

XXXXXX

849283

Closed

2024-06-03 02:16

2024-06-04 15:36

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Cash Out - Other

1773630

N/A

XXXXXX

575522

Closed

2024-06-03 04:28

2024-06-05 10:27

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided a COC for the appraisal fee increase dated 02/10/2021. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024
Ready for Review-Document Uploaded. Please see attached COC and revised LE issued on 2.10 for appraisal fee increase. - Seller-06/04/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Appraisal Fee increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/03/2024

Ready for Review-Document Uploaded. Please see attached COC and revised LE issued on XX/XX/XXXX for appraisal fee increase. - Seller-06/04/2024

Resolved-Client provided a COC for the appraisal fee increase dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX XXXX - XX/XX/XXXX COC for Appraisal Fee.pdf
XXXXXXXXXXXX XXXX - XX/XX/XXXX Revised LE for Appraisal Fee.pdf

Primary Residence

Refinance

Cash Out - Other

1773863

N/A

XXXXXX

575522

Closed

2024-06-03 04:28

2024-06-05 10:27

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided a COC for the appraisal fee increase dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024
Ready for Review-Please see documents submitted for COC condition. - Seller-06/04/2024
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects an Appraisal Fee of $XXX. Final CD dated XX/XX/XXXX and Post Close CD dated XX/XX/XXXX reflects an Appraisal Fee of $XXX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/03/2024

Ready for Review-Please see documents submitted for COC condition. - Seller-06/04/2024

Resolved-Client provided a COC for the appraisal fee increase dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Cash Out - Other

1773862

N/A

XXXXXX

575522

Closed

2024-06-03 03:05

2024-06-04 15:40

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Cash Out - Other

1773724

N/A

XXXXXX

575522

Closed

2024-06-04 15:38

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Cash Out - Other

1785171

Investor Post-Close

XXXXXX

511654

Closed

2024-06-01 10:22

2024-06-05 13:31

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/01/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1770899

N/A

XXXXXX

511654

Closed

2024-06-05 13:29

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1790561

Investor Post-Close

XXXXXX

863263

Closed

2024-06-02 17:47

2024-06-10 09:53

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/10/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1773088

N/A

XXXXXX

863263

Closed

2024-06-10 09:49

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/10/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1809396

Investor Post-Close

XXXXXX

654260

Closed

2024-06-11 15:53

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/11/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1818181

Investor Post-Close

XXXXXX

654260

Closed

2024-06-03 07:39

2024-06-11 15:52

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/11/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1774530

N/A

XXXXXX

251991

Closed

2024-06-02 13:50

2024-06-11 09:51

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Document Uploaded. - Due Diligence Vendor-06/11/2024

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-06/11/2024

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-06/02/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/11/2024

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-06/11/2024

XXXXXXXXXXXX-PDI.pdf

Primary Residence

Refinance

Cash Out - Other

1772752

N/A

XXXXXX

434956

Closed

2024-06-03 03:21

2024-06-05 09:37

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

Open-Document Uploaded. - Due Diligence Vendor-06/05/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1773747

N/A

XXXXXX

434956

Closed

2024-06-05 09:34

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1788308

Investor Post-Close

XXXXXX

983728

Closed

2024-06-03 08:23

2024-06-05 10:10

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided a COC dated 03/12/2021 for the discount points and lender credit changes. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024
Ready for Review-Document Uploaded. Please see attached docs. Loan was originally locked at 3.125% with a .125 rebate to the borrower. Lock was updated to 3% at a .125 cost on 3.12. - Seller-06/04/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The initial LE reflects a Discount Points fee of $0.00, whereas the Final CD reflects $XXX with no resulting Change of Circumstances (COC) to support the increase in the Discount Points fee. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-06/04/2024

Ready for Review-Document Uploaded. Please see attached docs. Loan was originally locked at 3.125% with a .125 rebate to the borrower. Lock was updated to 3% at a .125 cost on 3.12. - Seller-06/04/2024

Resolved-Client provided a COC datedXX/XX/XXXX for the discount points and lender credit changes. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX XXXXXXXXXXXX - Lock Confirmation Screen.pdf
XXXXXXXXXXXX XXXXXXXXXXXX - Original Lock with Rebate.pdf
XXXXXXXXXXXX XXXXXXXXXXXX - XX/XX/XXXX COC.pdf
XXXXXXXXXXXX XXXXXXXXXXXX - XX/XX/XXXX Revised CD with New Pricing.pdf

Primary Residence

Purchase

1774834

N/A

XXXXXX

983728

Closed

2024-06-03 08:23

2024-06-05 10:10

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided a COC dated 03/12/2021 for the discount points and lender credit changes. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024
Ready for Review-See docs submitted for COC condition - Seller-06/04/2024
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The initial LE reflects a Discount Points fee of $0.00, whereas the Final CD reflects $XXX with no resulting Change of Circumstances (COC) to support the increase in the Discount Points fee. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-06/04/2024

Ready for Review-See docs submitted for COC condition - Seller-06/04/2024

Resolved-Client provided a COC dated XX/XX/XXXX for the discount points and lender credit changes. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024

Primary Residence

Purchase

1774833

N/A

XXXXXX

983728

Closed

2024-06-03 08:23

2024-06-05 10:10

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001261)

Resolved-Client provided a COC dated 03/12/2021 for the discount points and lender credit changes. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024
Ready for Review-See docs submitted for COC condition - Seller-06/04/2024
Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XXX.XX). The actual total fee amount shows a credit amount of ($0.00). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The initial LE reflects a lender credit of $XXX, whereas the Final CD reflects $0.00 with no resulting Change of Circumstances (COC) to support the decrease in the lender credit. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-06/04/2024

Ready for Review-See docs submitted for COC condition - Seller-06/04/2024

Resolved-Client provided a COC dated XX/XX/XXXX for the discount points and lender credit changes. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024

Primary Residence

Purchase

1774832

N/A

XXXXXX

983728

Closed

2024-06-03 08:23

2024-06-05 10:10

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Client provided a COC dated 03/12/2021 for the discount points and lender credit changes. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024
Ready for Review-See docs submitted for COC condition - Seller-06/04/2024
Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The initial LE reflects a lender credit of $XXX, whereas the Final CD reflects $0.00 with no resulting Change of Circumstances (COC) to support the decrease in the lender credit. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-06/04/2024

Ready for Review-See docs submitted for COC condition - Seller-06/04/2024

Resolved-Client provided a COC dated XX/XX/XXXX for the discount points and lender credit changes. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024

Primary Residence

Purchase

1774831

N/A

XXXXXX

983728

Closed

2024-06-04 08:10

2024-06-04 15:43

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1781002

N/A

XXXXXX

231887

Closed

2024-06-03 14:06

2024-06-03 15:12

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/03/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1777719

N/A

XXXXXX

231887

Closed

2024-06-03 15:09

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1778313

Investor Post-Close

XXXXXX

395232

Closed

2024-06-03 09:05

2024-06-13 12:20

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/13/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. PIW - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/13/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1775193

N/A

XXXXXX

395232

Closed

2024-06-13 12:17

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/13/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1829296

Investor Post-Close

XXXXXX

655688

Closed

2024-05-31 14:42

2024-06-05 13:39

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/31/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1768298

N/A

XXXXXX

655688

Closed

2024-06-05 13:33

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1790581

Investor Post-Close

XXXXXX

911418

Closed

2024-06-03 10:15

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Cash Out - Other

1775767

Investor Post-Close

XXXXXX

911418

Closed

2024-05-31 15:06

2024-06-03 10:14

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Cash Out - Other

1768508

N/A

XXXXXX

548021

Closed

2024-06-01 08:23

2024-06-05 09:48

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1770571

N/A

XXXXXX

548021

Closed

2024-06-05 09:48

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1788418

Investor Post-Close

XXXXXX

209756

Closed

2024-06-05 13:46

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Cash Out - Other

1790661

Investor Post-Close

XXXXXX

209756

Closed

2024-06-02 01:01

2024-06-05 13:45

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/02/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1772010

N/A

XXXXXX

868606

Closed

2024-06-01 05:45

2024-06-05 13:55

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/01/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1770279

N/A

XXXXXX

868606

Closed

2024-06-05 13:48

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Cash Out - Other

1790686

Investor Post-Close

XXXXXX

985695

Closed

2024-06-01 11:44

2025-11-03 10:39

Cured

2 - Non-Material

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Cured-The loan file did not contain evidence that mortgage payments for XX/XX/XXXX and XX/XX/XXXX were made. This was cured post-close with a credit report dated XX/XX/XXXX which reflects a last active dated of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/09/2025
Acknowledged-Document Uploaded. Acknowledged by Client.
- Due Diligence Vendor-06/07/2024
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Per XXXX XXXXX guidelines, Lenders must verify that all mortgage loans are current (i.e. borrower has made all mortgage payments due in the month prior to the note date of the new loan transaction by no later than the last business day of that month). The loan closed on XX/XX/XXXX, the original credit report dated XX/XX/XXXX reflects a last active date of XX/XX/XXXX for the mortgage. Additionally, the mortgage statement in file reflects a payment due date of XX/XX/XXXX. The loan file did not contain evidence that mortgage payments for XX/XX/XXXX and XX/XX/XXXX were made. This was cured post-close with a credit report dated XX/XX/XXXX which reflects a last active dated of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/01/2024

Primary Residence

Purchase

1771126

N/A

XXXXXX

985695

Closed

2024-06-01 09:40

2025-11-03 10:39

Cured

2 - Non-Material

Credit

Insurance

Hazard Insurance Shortfall

Cured-Lender provided evidence of adequate coverage post-close. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/09/2025
Acknowledged- - Due Diligence Vendor-06/05/2024
Cured-Lender provided evidence of adequate coverage post-close. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/05/2024
Ready for Review-Document Uploaded. Borrower's HOI shows Preferred Protection Plan, which means an additional 25% coverage, which would have been XXX,XXX0. We were able to get a current RCE indicating replacement cost is XXX,XXX, so three years ago that coverage of XXX,XXX probably would have been adequate, but I do not have anything to prove that. The docs I am submitting now shows the current coverage is adequate. - Seller-06/04/2024
Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-06/01/2024

Ready for Review-Document Uploaded. Borrower's HOI shows Preferred Protection Plan, which means an additional 25% coverage, which would have been XXX,XXX0. We were able to get a current RCE indicating replacement cost is XXX,XXX, so three years ago that coverage of XXX,XXX probably would have been adequate, but I do not have anything to prove that. The docs I am submitting now shows the current coverage is adequate. - Seller-06/04/2024

Cured-Lender provided evidence of adequate coverage post-close. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/09/2025

Cured-Lender provided evidence of adequate coverage post-close. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX XXXXX - Current RCE.pdf
XXXXXXXXXXXX XXXXX - Current HOI.pdf

Primary Residence

Purchase

1770775

N/A

XXXXXX

985695

Closed

2025-04-08 12:49

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-04/08/2025

Open-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-04/08/2025

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-04/08/2025

Primary Residence

Purchase

3809098

Investor Post-Close

XXXXXX

985695

Closed

2024-06-01 11:47

2024-06-05 10:23

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-ATR not affected by hazard shortfall. Condition cleared. - Due Diligence Vendor-06/05/2024
Ready for Review-Agree with finding--unable to resolve. The only thing the tax returns were used for was the schedule B rental income. All other income was verified with current statements for pension/SS/Retirement. - Seller-06/04/2024
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The loan was qualified using XXXX personal tax returns, signed/filed XX/XX/XXXX. However, tax transcripts requested on XX/XX/XXXX (post-close) reflect no record of the return filed. - Due Diligence Vendor-06/01/2024

Ready for Review-Agree with finding--unable to resolve. The only thing the tax returns were used for was the schedule B rental income. All other income was verified with current statements for pension/SS/Retirement. - Seller-06/04/2024

Resolved-ATR not affected by hazard shortfall. Condition cleared. - Due Diligence Vendor-06/05/2024

Primary Residence

Purchase

1771134

N/A

XXXXXX

985695

Closed

2024-06-01 09:28

2024-06-04 16:24

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/01/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Purchase

1770751

N/A

XXXXXX

667914

Closed

2024-06-01 20:40

2024-06-13 12:06

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/13/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1771835

N/A

XXXXXX

667914

Closed

2024-06-13 12:04

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/13/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1829164

Investor Post-Close

XXXXXX

673512

Closed

2024-06-02 07:08

2024-06-07 14:49

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1772191

N/A

XXXXXX

673512

Closed

2024-06-07 14:46

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1802975

Investor Post-Close

XXXXXX

798816

Closed

2024-06-02 02:11

2024-06-04 15:25

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1772035

N/A

XXXXXX

798816

Closed

2024-06-04 11:35

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Cash Out - Other

1782757

Investor Post-Close

XXXXXX

394538

Closed

2024-06-05 09:53

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1788458

Investor Post-Close

XXXXXX

394538

Closed

2024-05-21 14:13

2024-06-05 09:53

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1717059

N/A

XXXXXX

243026

Closed

2024-05-21 14:47

2024-06-07 17:18

Acknowledged

2 - Non-Material

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Disclosure Tolerance

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024
Open-The disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($X,XXX,XXX.XX). The difference is ($XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) This finding is outside the statute of limitations and will be rated a B for all agencies
- Due Diligence Vendor-05/21/2024

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024

Primary Residence

Purchase

1717325

Investor Post-Close

XXXXXX

243026

Closed

2024-05-21 14:47

2024-06-07 17:18

Acknowledged

2 - Non-Material

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024
Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) This finding is outside the statute of limitations and will be rated a B for all agencies - Due Diligence Vendor-05/21/2024

Acknowledged-Acknowledged by Client.
- Due Diligence Vendor-06/07/2024

Primary Residence

Purchase

1717324

Investor Post-Close

XXXXXX

243026

Closed

2024-06-03 09:32

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-06/03/2024

Primary Residence

Purchase

1775427

Investor Post-Close

XXXXXX

243026

Closed

2024-05-21 13:49

2024-06-03 09:31

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1716863

N/A

XXXXXX

737831

Closed

2024-06-05 09:58

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1788487

Investor Post-Close

XXXXXX

737831

Closed

2024-05-21 13:03

2024-06-05 09:57

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1716457

N/A

XXXXXX

595265

Closed

2024-05-22 12:45

2024-06-01 15:10

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Post incident inspection provided - Due Diligence Vendor-06/01/2024

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-05/22/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-06/01/2024

Primary Residence

Refinance

Cash Out - Other

1722620

N/A

XXXXXX

595265

Closed

2024-05-22 13:37

2024-05-31 12:11

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/22/2024

Resolved-Document Uploaded. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

XXXXXXXXXXXX--2055.pdf

Primary Residence

Refinance

Cash Out - Other

1723078

N/A

XXXXXX

595265

Closed

2024-05-31 12:06

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-05/31/2024

Primary Residence

Refinance

Cash Out - Other

1766722

Investor Post-Close

XXXXXX

767770

Closed

2024-05-21 14:30

2024-05-31 12:32

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-05/31/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/21/2024

Primary Residence

Purchase

1717193

N/A

XXXXXX

767770

Closed

2024-05-31 12:13

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-05/31/2024

Primary Residence

Purchase

1766760

Investor Post-Close

XXXXXX

623901

Closed

2024-05-22 01:59

2024-06-05 15:09

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-06/05/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/22/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1719159

N/A

XXXXXX

623901

Closed

2024-06-05 14:01

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Cash Out - Other

1790837

Investor Post-Close

XXXXXX

232609

Closed

2024-06-05 10:02

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Cash Out - Other

1788530

Investor Post-Close

XXXXXX

232609

Closed

2024-05-22 03:14

2024-06-05 10:02

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1719276

N/A

XXXXXX

979787

Closed

2024-05-21 14:49

2024-06-13 12:01

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/13/2024

Open- - Due Diligence Vendor-05/23/2024

Open- - Due Diligence Vendor-05/23/2024

Open- - Due Diligence Vendor-05/23/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/21/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/13/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1717368

N/A

XXXXXX

979787

Closed

2024-06-13 11:58

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/13/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1829094

Investor Post-Close

XXXXXX

128165

Closed

2024-05-22 09:47

2024-06-03 10:20

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Cash Out - Other

1720758

N/A

XXXXXX

128165

Closed

2024-06-03 10:17

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Cash Out - Other

1775776

Investor Post-Close

XXXXXX

472721

Closed

2024-06-03 09:03

2024-06-04 15:50

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1775178

N/A

XXXXXX

482380

Closed

2024-05-22 06:43

2024-06-04 15:53

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. Received CDA. Condition cleared. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/23/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/22/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Purchase

1719606

N/A

XXXXXX

716899

Closed

2024-05-24 05:46

2024-09-25 08:37

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-09/25/2024

Acknowledged- - Due Diligence Vendor-06/03/2024

Acknowledged- - Due Diligence Vendor-05/24/2024

Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-05/24/2024

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-09/25/2024

Second Home

Refinance

Cash Out - Other

1733161

Investor Post-Close

XXXXXX

716899

Closed

2024-05-24 13:25

2024-06-03 09:40

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX_RDA.pdf

Second Home

Refinance

Cash Out - Other

1736251

N/A

XXXXXX

969482

Closed

2024-06-02 05:14

2024-06-03 14:41

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1772106

N/A

XXXXXX

969482

Closed

2024-06-03 14:39

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P and graded A for all other agencies. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1778032

Investor Post-Close

XXXXXX

452269

Closed

2024-05-22 12:13

2024-06-04 16:45

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Second Home

Purchase

1722324

N/A

XXXXXX

452269

Closed

2024-06-04 16:31

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Second Home

Purchase

1785548

Investor Post-Close

XXXXXX

452269

Closed

2024-05-22 09:57

2024-05-30 08:31

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-Client provided executed 4506 for Co-Borrower.  Condition cleared.   - Due Diligence Vendor-05/30/2024

Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/30/2024

Ready for Review-Document Uploaded. Sorry--my fault on that last doc!  Here is the real one! - Seller-05/29/2024

Counter-Client provided a W-9 for the Co-Borrower.  File is missing an executed 4506 for the Co-Borrower.  Condition remains.   - Due Diligence Vendor-05/24/2024

Ready for Review-Document Uploaded. Please see attached. - Seller-05/24/2024

Open-Borrower 2 Executed 4506-T Missing DU #16 requires a fully executed 4506 for each borrower whose income is used to qualify. A 4506 evidencing the coborrower's signature is missing from the loan file.  - Due Diligence Vendor-05/22/2024

Ready for Review-Document Uploaded. Sorry--my fault on that last doc! Here is the real one! - Seller-05/29/2024

Ready for Review-Document Uploaded. Please see attached. - Seller-05/24/2024

XXXXXXXXXXXX XXXXXXX - Signed 4506.pdf

Second Home

Purchase

1720828

N/A

XXXXXX

808950

Closed

2024-05-31 09:57

2024-06-04 15:35

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/31/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

Primary Residence

Purchase

1765618

N/A

XXXXXX

237589

Closed

2024-05-28 08:19

2024-09-26 09:16

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements

Resolved-Client provided clarification and supporting documentation that the $1,070.56 is income and not debt.  Audit DTI is 37.72%.  Condition cleared.   - Due Diligence Vendor-06/04/2024
Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-06/04/2024
Ready for Review-Please see information submitted about truck "payment" that is actually a pension. - Seller-06/03/2024
Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  Guidelines reflect a maximum DTI of 37.73% vs the audited DTI is 44.83%. The file contained a bank statement showing an auto loan liability with a monthly payment of $X,XXX.XX that is being paid by B3 and B4 from XX/XX/XXXX through XX/XX/XXXX with an outstanding balance of $XX,XXX.XX. The file did not contain evidence that the debt was paid in full prior to or at closing. The addition of this liability increased the DTI to 44.83% which exceeds the 3% tolerance allowed.  - Due Diligence Vendor-05/28/2024

Ready for Review-Please see information submitted about truck "payment" that is actually a pension. - Seller-06/03/2024

Resolved-Client provided clarification and supporting documentation that the $X,XXX.XX is income and not debt. Audit DTI is 37.72%. Condition cleared. - Due Diligence Vendor-06/04/2024
Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1743195

N/A

XXXXXX

237589

Closed

2024-05-28 07:46

2024-06-04 13:16

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved- - Due Diligence Vendor-06/04/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/28/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1742910

N/A

XXXXXX

237589

Closed

2024-05-27 10:28

2024-06-04 13:15

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Property Taxes for REO

Resolved-Client provided the same XXXX mortgage statement which does confirm taxes and insurance are included. This account number is the same for the mortgage as provided on the credit report. Condition cleared. - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. Please see attached statement referenced - it does show taxes and insurance are escrowed. - Seller-06/03/2024
Open-Evidence of property taxes and insurance for property #3b on the final application for borrowers 1 and 2 not provided. Mortgage statement provided in file is dated XX/XX/XXXX. Provide either evidence of taxes and insurance or recent mortgage statement supporting that taxes and insurance are included in payment. - Due Diligence Vendor-05/27/2024

Ready for Review-Document Uploaded. Please see attached statement referenced - it does show taxes and insurance are escrowed. - Seller-06/03/2024

XXXXXXXXXXXX XXXXX - #XX XXXXXXX property mortgage statement.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1741281

N/A

XXXXXX

237589

Closed

2024-05-29 09:55

2024-06-04 13:13

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Client provided clarification and supporting documentation that the $X,XXX.XX is income and not debt. Audit DTI is 37.72%. Condition cleared. - Due Diligence Vendor-06/04/2024
Ready for Review-Please see information submitted about truck "payment" that is actually a pension. - Seller-06/03/2024
Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-05/29/2024

Ready for Review-Please see information submitted about truck "payment" that is actually a pension. - Seller-06/03/2024

Resolved-Client provided clarification and supporting documentation that the $X,XXX.XX is income and not debt. Audit DTI is 37.72%. Condition cleared. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1751369

N/A

XXXXXX

237589

Closed

2024-05-28 08:19

2024-06-04 13:12

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Client provided clarification and supporting documentation that the $X,XXX.XX is income and not debt. Audit DTI is 37.72%. Condition cleared. - Due Diligence Vendor-06/04/2024
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/04/2024
Ready for Review-Please see information submitted about truck "payment" that is actually a pension. - Seller-06/03/2024
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Guidelines reflect a maximum DTI of 37.73% vs the audited DTI is 44.83%. The file contained a bank statement showing an auto loan liability with a monthly payment of $X,XXX.XX that is being paid by B3 and B4 from XX/XX/XXXX through XX/XX/XXXX with an outstanding balance of $XX,XXX.XX. The file did not contain evidence that the debt was paid in full prior to or at closing. The addition of this liability increased the DTI to 44.83%. - Due Diligence Vendor-05/28/2024

Ready for Review-Please see information submitted about truck "payment" that is actually a pension. - Seller-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1743194

N/A

XXXXXX

237589

Closed

2024-05-28 08:22

2024-06-04 13:12

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Client provided clarification and supporting documentation that the $X,XXX.XX is income and not debt. Audit DTI is 37.72%. Condition cleared. - Due Diligence Vendor-06/04/2024
Resolved-Audited DTI of 37.72% is less than or equal to AUS DTI of 37.73% - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. Regarding the additional truck payment in the amount of $X,XXX.XX and a balance owing of $XX,XXX.XX; This is one of B4’s pension incomes not a truck payment. The ACH deposit of $X,XXX.XX goes IN TO the account, not out of the Consolidated CCU account. There’s a transaction history that says Daimler Trucks – Payment. It’s not a truck payment. It shows it’s a regular share account. The balance starts out on XX/XX/XXXX for $X,XXX.XX and the current balance (not balance owing) ends on XX/XX/XXXX for $XX,XXX.XX. See attached statement. - Seller-06/03/2024
Open-Audited DTI of 44.83% exceeds AUS DTI of 37.73% Guidelines reflect a maximum DTI of 37.73% vs the audited DTI is 44.83%. The file contained a bank statement showing an auto loan liability with a monthly payment of $X,XXX.XX that is being paid by B3 and B4 from XX/XX/XXXX through XX/XX/XXXX with an outstanding balance of $XX,XXX.XX. The file did not contain evidence that the debt was paid in full prior to or at closing. The addition of this liability increased the DTI to 44.83%.
- Due Diligence Vendor-05/28/2024

Ready for Review-Document Uploaded. Regarding the additional truck payment in the amount of $X,XXX.XX and a balance owing of $XX,XXX.XX; This is one of B4’s pension incomes not a truck payment. The ACH deposit of $X,XXX.XX goes IN TO the account, not out of the XXXXXXXXXX XXX account. There’s a transaction history that says XXXXXXX XXXXXX – Payment. It’s not a truck payment. It shows it’s a regular share account. The balance starts out on XX/XX/XXXX for $X,XXX.X and the current balance (not balance owing) ends on XX/XX/XXXX for $XX,XXX.XX. See attached statement. - Seller-06/03/2024

XXXXXXXXXXXX XXXXX - XXXXXX XXXXXX XX pension.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1743227

N/A

XXXXXX

237589

Closed

2024-05-29 09:46

2024-06-04 12:42

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Client provided rate lock extensions and COCs. Condition cleared. - Due Diligence Vendor-06/04/2024
Resolved- - Due Diligence Vendor-06/04/2024
Ready for Review-Please see docs submitted for other tolerance cure. - Seller-06/03/2024
Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/29/2024

Ready for Review-Please see docs submitted for other tolerance cure. - Seller-06/03/2024

Resolved-Client provided rate lock extensions and COCs. Condition cleared. - Due Diligence Vendor-06/04/2024

Resolved- - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1751298

N/A

XXXXXX

237589

Closed

2024-05-29 09:46

2024-06-04 12:42

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Client provided rate lock extensions and COCs. Condition cleared. - Due Diligence Vendor-06/04/2024
Resolved- - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. There were several lock revisions - I am submitting the Lock confirmation screen so you can see the Notes, as well as the COCs. You have all the Disclosure Tracking info and disclosures, so I am not providing the disclosures again unless requested. - Seller-06/03/2024
Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-05/29/2024

Ready for Review-Document Uploaded. There were several lock revisions - I am submitting the Lock confirmation screen so you can see the Notes, as well as the COCs. You have all the Disclosure Tracking info and disclosures, so I am not providing the disclosures again unless requested. - Seller-06/03/2024

Resolved-Client provided rate lock extensions and COCs. Condition cleared. - Due Diligence Vendor-06/04/2024

Resolved- - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX XXXXX - Lock Confirmation.pdf
XXXXXXXXXXXX XXXXX - COCs.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1751297

N/A

XXXXXX

237589

Closed

2024-05-28 07:35

2024-06-04 12:24

Resolved

1 - Information

Credit

Borrower

Fraud alert is present on the credit report

Resolved-Client provided evidence Borrower #3's identification was confirmed. Condition cleared. - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. Agree with finding - this was missed since they were added later, but identity was verified via CIP form at closing - Seller-06/03/2024
Open-The credit report dated XX/XX/XXXX reflects a fraud alert for borrower #3. Fraud alert not addressed in file. - Due Diligence Vendor-05/28/2024

Ready for Review-Document Uploaded. Agree with finding - this was missed since they were added later, but identity was verified via CIP form at closing - Seller-06/03/2024

Resolved-Client provided evidence Borrower #3's identification was confirmed. Condition cleared. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX - CIP form B3.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1742835

N/A

XXXXXX

237589

Closed

2024-05-28 07:30

2024-06-04 12:21

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

Resolved-Client provided evidence of E-Consent for borrower #3.  Condition cleared.  - Due Diligence Vendor-06/04/2024
Ready for Review-Document Uploaded. B3 did not provide eConsent.  However, we eDisclose in almost all situations since we have a fulfillment servicing that automatically mails the docs.  Please see attached so you can see where this is indicated in disclosure tracking.

Information provided to Daniel Chang, so please consult with him if there are further questions:
A disclosure package will be printed and mailed to the applicant via XXXX under any of the following circumstances:
When eConsent has not been accepted
eConsent is declined, or
The applicant does not attempt to retrieve the initial disclosure package by the 3rd business day after being issued - Seller-06/03/2024
Open-E-Consent documentation on Pre-TRID loan is missing for borrower(s) Provide E-Consent for borrower #3. Tracking disclosures in file document that borrowers 1, 2 and 4 consented to electronic delivery of disclosures. Tracking report supports that revised LE received electronically.  - Due Diligence Vendor-05/28/2024

Ready for Review-Document Uploaded. B3 did not provide eConsent. However, we eDisclose in almost all situations since we have a fulfillment servicing that automatically mails the docs. Please see attached so you can see where this is indicated in disclosure tracking.

Information provided to XXXXXX XXXXX, so please consult with him if there are further questions:
A disclosure package will be printed and mailed to the applicant via XXXX under any of the following circumstances:
When eConsent has not been accepted
eConsent is declined, or
The applicant does not attempt to retrieve the initial disclosure package by the 3rd business day after being issued - Seller-06/03/2024

Resolved-Client provided evidence of E-Consent for borrower #3. Condition cleared. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX XXXXX - Disclosure Tracking Information showing fulfillment.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1742812

N/A

XXXXXX

821720

Closed

2024-06-03 10:11

2024-06-03 10:52

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Cash Out - Other

1775752

N/A

XXXXXX

821720

Closed

2024-06-03 10:51

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P and graded A for all other agencies. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Cash Out - Other

1776046

Investor Post-Close

XXXXXX

209113

Closed

2024-06-04 09:13

2025-11-03 10:17

Resolved

1 - Information

Credit

Eligibility

Borrower 1 Credit Report is Expired

Resolved-Gap Credit report date is within 4 months of the Note date. Finding cleared. - Due Diligence Vendor-11/03/2025
Resolved-Borrower 1 Credit Report is not Expired. - Due Diligence Vendor-09/26/2024
Ready for Review-Per XXXXXX XXX guidelines: Credit documents include credit reports and employment, income, and asset documentation. For all mortgage loans (existing and new construction), the credit documents must be no more than four months old on the note date.

In this case, the note date is XX/XX/XXXX, so it did not expire.

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX - Seller-06/04/2024
Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). The credit report is dated XX/XX/XXXX and the subject loan closed XX/XX/XXXX. Per DU, all credit documents must be no more than four months old. The subject loan closed XX/XX/XXXX. The credit report was 122 days old at time of closing. Provide updated credit report. Additional conditions may apply. - Due Diligence Vendor-06/04/2024

Ready for Review-Per XXXXXX XXX guidelines: Credit documents include credit reports and employment, income, and asset documentation. For all mortgage loans (existing and new construction), the credit documents must be no more than four months old on the note date.

In this case, the note date is XX/XX/XXXX, so it did not expire.

https://selling-guide.XXXXXXXXX.com/sel/b1-1-03/allowable-age-credit-documents-and-federal-income-tax-returns - Seller-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1781527

N/A

XXXXXX

209113

Closed

2024-06-04 09:23

2024-06-05 10:35

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved- - Due Diligence Vendor-06/05/2024
Resolved-Credit report date is within 4 months of the Note date. Finding cleared. - Due Diligence Vendor-06/05/2024
Ready for Review-See information submitted for expired credit report condition. - Seller-06/04/2024
Open-The Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with age of documents/closing date. Based on the credit report, the loan must close on or before XX/XX/XXXX. The subject loan closed XX/XX/XXXX. Provide updated DU with updated credit report. Additional conditions may apply. - Due Diligence Vendor-06/04/2024

Ready for Review-See information submitted for expired credit report condition. - Seller-06/04/2024

Rescinded-Credit report date is within 4 months of the Note date. Finding cleared. - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1781655

N/A

XXXXXX

209113

Closed

2024-05-31 09:21

2024-06-04 16:30

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1765168

N/A

XXXXXX

209113

Closed

2024-06-04 16:25

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1785476

Investor Post-Close

XXXXXX

359467

Closed

2024-06-02 07:09

2024-06-03 14:44

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1772192

N/A

XXXXXX

359467

Closed

2024-06-03 14:43

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P and A for all other agencies. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1778074

Investor Post-Close

XXXXXX

554938

Closed

2024-06-02 11:27

2024-06-05 12:30

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Client provided prior policy to evidence continuous coverage. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/05/2024
Ready for Review-Document Uploaded. The note date is irrelevant when it comes to hazard insurance - the borrower signed XX/XX/XXXX. This was a refi of an existing mortgage with XXXXXX XXXX. The borrower's policy period is XX/XX/XXXX to XX/XX/XXXX and the Final Settlement statement verifies borrower's annual premium was already paid through escrow of existing account. While the loan did fund one day before the new policy period and the update to the mortgagee, the only thing different is the loan number - the mortgagee is still correct. Attached is a copy of the policy in place for that last day. - Seller-06/04/2024
Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX and after the disbursement date XX/XX/XXXX. - Due Diligence Vendor-06/03/2024

Ready for Review-Document Uploaded. The note date is irrelevant when it comes to hazard insurance - the borrower signed XX/XX/XXXX. This was a refi of an existing mortgage with XXXXXX XXXX. The borrower's policy period is XX/XX/XXXX to XX/XX/XXXX and the Final Settlement statement verifies borrower's annual premium was already paid through escrow of existing account. While the loan did fund one day before the new policy period and the update to the mortgagee, the only thing different is the loan number - the mortgagee is still correct. Attached is a copy of the policy in place for that last day. - Seller-06/04/2024

XXXXXXXXXXXX XXXX - Existing Policy.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1772574

N/A

XXXXXX

807555

Closed

2024-06-02 06:55

2024-06-03 10:27

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1772182

N/A

XXXXXX

807555

Closed

2024-06-03 10:23

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/03/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1775816

Investor Post-Close

XXXXXX

345281

Closed

2024-06-02 12:41

2024-06-04 12:16

Resolved

1 - Information

Credit

Missing Doc

Missing Initial Loan Application

Resolved-Client provided initial loan application. Condition cleared. - Due Diligence Vendor-06/04/2024

Ready for Review-Document Uploaded. See attached Initial 1003 - Seller-06/03/2024

Open-The Initial 1003 is Missing - Due Diligence Vendor-06/02/2024

Ready for Review-Document Uploaded. See attached Initial 1003 - Seller-06/03/2024

Resolved-Client provided initial loan application. Condition cleared. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX XXXXXXX - Initial 1003.pdf

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1772654

N/A

XXXXXX

671755

Closed

2024-05-31 14:08

2024-09-26 11:13

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/10/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1767970

N/A

XXXXXX

671755

Closed

2024-06-10 10:14

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/10/2024

Primary Residence

Refinance

Cash Out - Other

1809793

Investor Post-Close

XXXXXX

671755

Closed

2024-05-31 14:39

2024-06-04 12:11

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-Audit agrees that we have acceptable documentation. Condition cleared. - Due Diligence Vendor-06/04/2024

Ready for Review-Document Uploaded. Please clarify why we would be required to provide the borrower's identification. It was verified according to Customer Identification Program Certification - see attached. - Seller-06/03/2024

Open-Borrower 1 identification not provided. - Due Diligence Vendor-05/31/2024

Ready for Review-Document Uploaded. Please clarify why we would be required to provide the borrower's identification. It was verified according to Customer Identification Program Certification - see attached. - Seller-06/03/2024

Resolved-Audit agrees that we have acceptable documentation. Condition cleared. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX XXXXX - Customer Identification Program Certification.pdf

Primary Residence

Refinance

Cash Out - Other

1768263

N/A

XXXXXX

482087

Closed

2024-06-03 01:40

2024-09-26 10:48

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

Second Home

Purchase

1773559

N/A

XXXXXX

482087

Closed

2024-06-04 11:40

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Second Home

Purchase

1782811

Investor Post-Close

XXXXXX

549465

Closed

2024-06-02 15:55

2024-06-07 09:48

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery, therefore a COC was not required. Condition cleared. - Due Diligence Vendor-06/07/2024
Resolved-Resolved - Due Diligence Vendor-06/07/2024
Ready for Review-Document Uploaded. See attached documentation for TC - Seller-06/06/2024
Counter-Client agrees that $XX cure is needed. Condition to remain open until client provided evidence of cure. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/06/2024
Ready for Review-Agree with finding - cure is needed for $XX for appraisal fee increase. - Seller-06/04/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The loan file did not contain a valid COC to support the Appraisal Fee increase. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/03/2024

Ready for Review-Document Uploaded. See attached documentation for TC - Seller-06/06/2024
Ready for Review-Agree with finding - cure is needed for $XX for appraisal fee increase. - Seller-06/04/2024

XXXXXXXXXXXX XXXXXXX - XXXXX Label.pdf
XXXXXXXXXXXX XXXXXX - Letter.pdf
XXXXXXXXXXXX XXXXXXX - Tolerance Cure.pdf
XXXXXXXXXXXX XXXXXXX - Proof of Delivery.pdf
XXXXXXXXXXXX XXXXXXX - Revised PCCD.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1772945

N/A

XXXXXX

549465

Closed

2024-06-02 15:55

2024-06-07 09:45

Cured

2 - Non-Material

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Cured-Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. Documentation was provided within 60 days of discovery and is deemed acceptable. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-06/07/2024
Resolved-Resolved - Due Diligence Vendor-06/07/2024
Ready for Review-See documentation submitted for other condition - Seller-06/06/2024
Counter-Client agrees that $XX cure is needed. Condition to remain open until client provided evidence of cure. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/06/2024
Ready for Review-Agree with finding - cure is needed for $XX for appraisal fee increase. - Seller-06/04/2024
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects an Appraisal Fee of $XXX.XX. Post-Closing CD reflects an Appraisal Fee of $XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-06/03/2024

Ready for Review-See documentation submitted for other condition - Seller-06/06/2024
Ready for Review-Agree with finding - cure is needed for $XX for appraisal fee increase. - Seller-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1772944

N/A

XXXXXX

549465

Closed

2024-06-01 07:40

2024-06-03 15:33

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX_RDA.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1770459

N/A

XXXXXX

265259

Closed

2024-06-03 14:51

2024-06-04 16:21

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1778151

N/A

XXXXXX

265259

Closed

2024-06-04 16:16

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1785409

Investor Post-Close

XXXXXX

902892

Closed

2024-06-03 05:37

2024-09-25 08:38

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Insurance for Primary Residence

Resolved-Client provided evidence of property taxes which indicates taxes and HOI were escrowed. Condition cleared. - Due Diligence Vendor-09/25/2024

Resolved- - Due Diligence Vendor-06/05/2024

Ready for Review-Client provided evidence of property taxes which indicates taxes and HOI were escrowed. Condition cleared. - Due Diligence Vendor-06/05/2024

Ready for Review-See information submitted for condition for taxes for primary residence. - Seller-06/04/2024

Open-Missing Evidence of Insurance for Primary Residence The mortgage statement in file indicates "escrows" are included but does not specify if this includes taxes and insurance. - Due Diligence Vendor-06/03/2024

Ready for Review-See information submitted for condition for taxes for primary residence. - Seller-06/04/2024

Resolved-Client provided evidence of property taxes which indicates taxes and HOI were escrowed. Condition cleared. - Due Diligence Vendor-09/25/2024

Second Home

Purchase

1774028

N/A

XXXXXX

902892

Closed

2024-06-03 05:14

2024-06-06 15:35

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/06/2024

XXXXXXXXXXXX-2055.pdf

Second Home

Purchase

1773953

N/A

XXXXXX

902892

Closed

2024-06-06 15:30

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/06/2024

Second Home

Purchase

1797357

Investor Post-Close

XXXXXX

902892

Closed

2024-06-03 05:36

2024-06-05 11:34

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of HOA Dues for Primary Residence

Resolved-Client indicates there are no HOA dues and audit confirmed. Condition cleared. - Due Diligence Vendor-06/05/2024
Ready for Review-Borrower did not indicate that there were any HOA dues on the loan application, and neither XXXXXX or XXXXXX indicate property is in a PUD or HOA. Additionally, we have a loan application on file for a refi of their primary residence, which was withdrawn, but the loan app indicates there aren't any HOA dues. - Seller-06/04/2024
Open-Missing Evidence of HOA Dues for Primary Residence - Due Diligence Vendor-06/03/2024

Ready for Review-Borrower did not indicate that there were any HOA dues on the loan application, and neither XXXXXX or XXXXX indicate property is in a PUD or HOA. Additionally, we have a loan application on file for a refi of their primary residence, which was withdrawn, but the loan app indicates there aren't any HOA dues. - Seller-06/04/2024

Resolved-Client indicates there are no HOA dues and audit confirmed. Condition cleared. - Due Diligence Vendor-06/05/2024

Second Home

Purchase

1774025

N/A

XXXXXX

902892

Closed

2024-06-03 05:37

2024-06-05 11:31

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Property Taxes for Primary Residence

Resolved-Client provided evidence of property taxes which indicates taxes and HOI were escrowed. Condition cleared. - Due Diligence Vendor-06/05/2024
Ready for Review-Document Uploaded. Their primary residence mortgage statement says the monthly escrow payment is $XXX.XX.
Attached is the property tax bill for the borrower’s primary residence for XXXX.
$X,XXX.XX / 12 = $XXX.XX per month.

$XXX.XX - $XXX.XX = $XXX.XX left over for the hazard insurance.
- Seller-06/04/2024
Open-Missing Evidence of Property Taxes for Primary Residence The mortgage statement in file indicates "escrows" are included but does not specify if this includes taxes and insurance. - Due Diligence Vendor-06/03/2024

Ready for Review-Document Uploaded. Their primary residence mortgage statement says the monthly escrow payment is $XXX.XX.
Attached is the property tax bill for the borrower’s primary residence for XXXX.
$X,XXX.XX / 12 = $XXX.XX per month.

$XXX.XX - $XXX.XX = $XXX.XX left over for the hazard insurance.
- Seller-06/04/2024

Resolved-Client provided evidence of property taxes which indicates taxes and HOI were escrowed. Condition cleared. - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX XXXXXXX - Property Tax Bill.pdf

Second Home

Purchase

1774029

N/A

XXXXXX

720021

Closed

2024-06-03 19:56

2024-06-05 12:04

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided COC for 2 discount point increases. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024
Ready for Review-Please see docs submitted for COC condition. - Seller-06/04/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Initial Loan Estimate reflects no charge for Discount Points. The Post-Closing CD reflects a Discount Points Fee of $X,XXX. The loan file did not contain a valid COC to support the increase.] No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/04/2024

Ready for Review-Please see docs submitted for COC condition. - Seller-06/04/2024

Resolved-Client provided COC for 2 discount point increases. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-Resolved - Due Diligence Vendor-06/05/2024

Second Home

Purchase

1779520

N/A

XXXXXX

720021

Closed

2024-06-03 19:56

2024-06-05 12:04

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided COC for 2 discount point increases. Condition cleared. - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024
Ready for Review-Document Uploaded. Borrower had multiple lock extensions, with the last one being on XX/XX/XXXX. Please see attached Lock Confirmation, the COC and the revised CD. - Seller-06/04/2024
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Initial Loan Estimate reflects no charge for Discount Points. The Post-Closing CD reflects a Discount Points Fee of $X,XXX. The loan file did not contain a valid COC to support the increase.] No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/04/2024

Ready for Review-Document Uploaded. Borrower had multiple lock extensions, with the last one being on XX/XX/XXXX. Please see attached Lock Confirmation, the COC and the revised CD. - Seller-06/04/2024

Resolved-Client provided COC for 2 discount point increases. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-Resolved - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX XXXXXXXXXXXX - XX/XX/XXXX COC.pdf
XXXXXXXXXXXX XXXXXXXXXXXX - Lock Screen.pdf
XXXXXXXXXXXX XXXXXXXXXXXX - XX/XX/XXXX Revised CD.pdf

Second Home

Purchase

1779519

N/A

XXXXXX

404370

Closed

2024-06-03 01:23

2024-06-07 15:07

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

Open-Document Uploaded. - Due Diligence Vendor-06/07/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation (2055) supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Debt Consolidation

1773526

N/A

XXXXXX

404370

Closed

2024-06-07 15:03

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Cash Out - Debt Consolidation

1803090

Investor Post-Close

XXXXXX

758152

Closed

2024-06-03 01:57

2024-09-26 10:43

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Cash Out - Other

1773584

N/A

XXXXXX

758152

Closed

2024-06-04 11:47

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Refinance

Cash Out - Other

1782874

Investor Post-Close

XXXXXX

418663

Closed

2024-06-11 09:24

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-06/11/2024

Second Home

Purchase

1815099

Investor Post-Close

XXXXXX

418663

Closed

2024-06-03 07:04

2024-06-04 15:31

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX_RDA.pdf

Second Home

Purchase

1774344

N/A

XXXXXX

424873

Closed

2024-06-03 04:00

2024-06-06 15:40

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/06/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/06/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1773809

N/A

XXXXXX

424873

Closed

2024-06-06 15:38

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/06/2024

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1797416

Investor Post-Close

XXXXXX

205368

Closed

2024-06-03 05:21

2024-06-07 15:03

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

Open-Document Uploaded. - Due Diligence Vendor-06/07/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Other

1773981

N/A

XXXXXX

205368

Closed

2024-06-07 15:00

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Cash Out - Other

1803070

Investor Post-Close

XXXXXX

835634

Closed

2024-06-03 20:34

2024-06-05 10:54

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Client provided COC for discount points.  Condition cleared.  - Due Diligence Vendor-06/05/2024
Resolved-Resolved - Due Diligence Vendor-06/05/2024
Ready for Review-Document Uploaded. Loan was lock on XX/XX/XXXX  - see attached lock confirmation, COC, and Cd with new pricing. - Seller-06/04/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Discount points increased on CD dated XX/XX/XXXX with no evidence of COC. No Cure.   This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/04/2024

Ready for Review-Document Uploaded. Loan was lock on XX/XX/XXXX - see attached lock confirmation, COC, and Cd with new pricing. - Seller-06/04/2024

Resolved-Client provided COC for discount points. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-Resolved - Due Diligence Vendor-06/05/2024

XXXXXXXXXXXX XXXXX - XX/XX/XXXX COC for lock.pdf
XXXXXXXXXXXX XXXXX - XX/XX/XXXX Lock Confirmation.pdf
XXXXXXXXXXXX XXXXX - XX/XX/XXXX CD with Lock Info.pdf

Primary Residence

Refinance

Cash Out - Other

1779546

N/A

XXXXXX

835634

Closed

2024-06-03 20:34

2024-06-05 10:53

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Client provided COC for discount points. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-Resolved - Due Diligence Vendor-06/05/2024

Ready for Review-Please see docs submitted for COC condition. - Seller-06/04/2024

Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/04/2024

Ready for Review-Please see docs submitted for COC condition. - Seller-06/04/2024

Resolved-Client provided COC for discount points. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-Resolved - Due Diligence Vendor-06/05/2024

Primary Residence

Refinance

Cash Out - Other

1779545

N/A

XXXXXX

355020

Closed

2024-06-03 10:15

2024-06-07 09:12

Acknowledged

2 - Non-Material

Credit

Missing Doc

Missing Final Application - Not Executed

Acknowledged-Lender rebuttal was reviewed. Audit re-analyzed the loan file and has determined that an initial signed Loan Application (1003) was provided within the loan file. Per the lender, the original executed Final 1003 was shredded for privacy reasons by the escrow company before the lender received the package. This does not impact the salability of the loan or compliance. This finding is deemed non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/07/2024

Ready for Review-We agree with the finding. We contacted escrow for a copy, and the co-borrower is an employee there, so they pull and shred the 1003 for privacy reasons before the docs are uploaded to their systems for storage. Apparently it got pulled before the doc package was sent to us and we missed it on our end. - Seller-06/06/2024

Open-The Final 1003 is Not Executed - Due Diligence Vendor-06/03/2024

Ready for Review-We agree with the finding. We contacted escrow for a copy, and the co-borrower is an employee there, so they pull and shred the 1003 for privacy reasons before the docs are uploaded to their systems for storage. Apparently it got pulled before the doc package was sent to us and we missed it on our end. - Seller-06/06/2024

Primary Residence

Refinance

Cash Out - Other

1775769

Investor Post-Close

XXXXXX

225973

Closed

2024-06-03 07:29

2024-06-07 14:57

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

Open-Document Uploaded. - Due Diligence Vendor-06/07/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/03/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/07/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1774469

N/A

XXXXXX

225973

Closed

2024-06-07 14:54

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/07/2024

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

1803030

Investor Post-Close

XXXXXX

970126

Closed

2024-06-04 10:02

2024-06-06 08:52

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Client provided CD for proceeds of sale of home. Condition cleared. - Due Diligence Vendor-06/06/2024

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/06/2024

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/06/2024

Ready for Review-See docs submitted for other condition. - Seller-06/05/2024

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing Final CD to verify Net proceeds - Due Diligence Vendor-06/04/2024

Ready for Review-See docs submitted for other condition. - Seller-06/05/2024

Primary Residence

Purchase

1782058

N/A

XXXXXX

970126

Closed

2024-06-04 10:01

2024-06-06 08:51

Resolved

1 - Information

Credit

Missing Doc

Asset 3 Missing

Resolved-Client provided CD for proceeds of sale of home. Condition cleared. - Due Diligence Vendor-06/06/2024

Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/06/2024

Ready for Review-Document Uploaded. Attached is the Final Settlement Statement showing proceeds from sale of home. - Seller-06/05/2024

Open-Asset 3 Missing Missing Final CD for Net proceeds from departing - Due Diligence Vendor-06/04/2024

Ready for Review-Document Uploaded. Attached is the Final Settlement Statement showing proceeds from sale of home. - Seller-06/05/2024

Resolved-Client provided CD for proceeds of sale of home. Condition cleared. - Due Diligence Vendor-06/06/2024

Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/06/2024

XXXXXXXXXXXX XXXXXXXXXXXX - FSS from Sale.pdf

Primary Residence

Purchase

1782048

N/A

XXXXXX

970126

Closed

2024-06-04 09:32

2024-06-04 11:56

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

Primary Residence

Purchase

1781751

N/A

XXXXXX

970126

Closed

2024-06-04 11:52

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

Primary Residence

Purchase

1782922

Investor Post-Close

XXXXXX

802518

Closed

2024-06-03 09:30

2024-06-04 16:11

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-06/04/2024

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-06/03/2024

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1775402

N/A

XXXXXX

802518

Closed

2024-06-03 09:22

2024-06-04 16:11

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. - Due Diligence Vendor-06/04/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1775340

N/A

XXXXXX

802518

Closed

2024-06-04 16:08

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Document Uploaded. - Due Diligence Vendor-06/04/2024

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/04/2024

XXXXXXXXXXXX-2055.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

1785339

Investor Post-Close

XXXXXX

803310

Closed

2024-06-03 06:14

2024-06-05 14:16

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-06/05/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/05/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/03/2024

XXXXXXXXXXXX-2055.pdf

Second Home

Purchase

1774130

N/A

XXXXXX

803310

Closed

2024-06-05 14:09

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-06/05/2024

Second Home

Purchase

1790951

Investor Post-Close

XXXXXX

795406

Closed

2/26/2020

3/10/2020

Resolved

1 - Information

Property

Value

An ARR report was not provided.

03/10/2020: An ARR was provided reflecting a value of $XXX,XXX.XX which is a 0% variance. Variance within acceptable tolerance. Condition Cleared.

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

ebef2bd0-cb58-ea11-bfd5-f4e9d4a75ba2

N/A

XXXXXX

414510

Closed

2/6/2020

2/19/2020

Resolved

1 - Information

Credit

Missing Doc

A credit report for the borrower was not provided. Additional findings may apply.

02/19/2019: Audit reviewed Lender's response, Lender provided the Credit report. Condition cleared.

Primary Residence

Purchase

72c3485b-0149-ea11-bfd5-f4e9d4a75ba2

N/A

XXXXXX

414510

Closed

2/6/2020

2/18/2020

Resolved

1 - Information

Property

Value

An ARR report was not provided.

02/18/2020: report provided supporting original appraised value.

Primary Residence

Purchase

861de6eb-0049-ea11-bfd5-f4e9d4a75ba2

N/A